BUILDING BLOCKS > MANAGER > RISK POOL AND PLAN FUNDING

Plan Funding

How are plans funded to provide health care benefits to individuals, while controlling overall costs?

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Employer Sponsored Plan Funding

Policy Definition: Employers that provide health care coverage have different options to fund these benefits. The most common forms of health plan funding are fully insured, level funded and self-funded. source

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Reinsurance

Policy Definition: A reinsurance program provides funds to health insurers to offset the costs of covering consumers with high medical costs. source

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Alternative Funding Approaches

Policy Definition: Small employers, gig economy workers, independent contractors, and other entities may not have as much access to traditional insurance pools. In efforts to realize the savings of a larger, more predictable pool, alternative arrangements have been developed for this evolving marketplace.

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