Alternative Funding Strategies
Understand the funding choices.
Compare how different funding arrangements allocate cost, administration, and risk.
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Alternative funding strategies
Build your discussion agenda.
Frame a funding discussion around your workforce, cash flow, and ability to absorb variability.
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Choose a topic to build your discussion agenda.
Funding overview
Three structures to discuss.
| Structure | Starting point | Questions for review |
|---|---|---|
| Fully insured | The employer pays premiums for an insurer’s coverage. | Renewal pricing, plan options, and insurer terms. |
| Level funded | A self-funded arrangement typically packages claims funding, administration, and stop-loss into regular payments. | Claims reconciliation, unused funds, stop-loss terms, and obligations when leaving. |
| Self-funded | The employer funds covered claims, often with administration services and stop-loss protection. | Claims variability, reserves, contracts, and ongoing responsibilities. |
An educational overview. Actual contracts and employer circumstances determine costs, risk, and obligations.
Have these details ready
Enrollment totals, renewal terms, available aggregate claims data, and your budget horizon.
A useful distinction
Funding structure changes who bears risk and how costs are paid. Any proposal needs contract, stop-loss, and financial review.
Explore & compare
See how the services fit together.
Explore the purpose of each service. Add only the services you want to discuss.
Accident & critical illness plans
Explore supplemental benefits and the questions employees need answered.
Alternative funding strategies
Compare how different funding arrangements allocate cost, administration, and risk.
Analytics & underwriting
Organize the evidence behind renewal discussions and program decisions.
Benefits administration technology
Map the processes and connections your benefits technology needs to support.
Benefits compliance
Build a review agenda around plan responsibilities, documentation, and deadlines.
Benefits strategy & plan design
Connect workforce priorities, employer resources, and plan choices.
Communications & engagement
Plan benefits communication around the moments when people need it.
Employee advocacy & support
Organize support for benefits questions and administrative obstacles.
Executive benefitsInvestment advice through Global Advisers
Explore benefits and protection needs, with investment discussions directed to Global Advisers.
HR consulting
Identify the HR practices that need clearer ownership or a stronger process.
International employee benefits
Prepare for a country-by-country discussion of workforce benefits needs.
PEO transition strategy
Organize the benefits, payroll, and administration questions behind a potential change.
Pharmacy benefit consulting
Review the structure, reporting, and employee experience of your pharmacy benefit.
Population health & wellbeing
Organize program priorities around access, participation, and employee experience.
Retirement plan consultingInvestment advice through Global Advisers
Coordinate an introduction to Global Advisers for retirement plan and investment discussions.
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