Read more about the article Employee Medical Benefits: Self-funded vs. Fully Insured
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Employee Medical Benefits: Self-funded vs. Fully Insured

  All group medical benefit plans fall into one of two categories: self-funded or fully insured. The choice of one over the other should not be made arbitrarily. Each type carries its own set of administrative rules and legal constraints.   What is Self-funding Health Insurance? Under an insured health benefit plan, an insurance company assumes the financial and legal risk of loss in exchange for a fixed premium paid to the carrier by the employer. Employers with self-funded (or self-insured) plans…

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