A Sponsor Insight white paper from Spring Group

Self-Funding and the Management of Risk

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Employers today are facing the tough decisions of paying more for health coverage, passing additional costs along to employees, or eliminating coverage all together. Clearly, terminating health insurance isn’t the preferred or even practical solution for most employers. Quality benefit packages are a key element of attracting and retaining top talent. Because of this, businesses everywhere are looking for ways to offset cost increases by being creative and efficient.

One way a business can efficiently fund health benefits is by self-funding. By assuming part or all of the risk of employees’ health care costs, employers stand to achieve savings of 5-15% from self-insuring. Spring's latest white paper “Self-Funding and the Management of Risk,” discusses the benefits, considerations and details of self-funding employee health insurance.

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