Back-to-back 20% increases? Level funding is how healthy groups fight back.
Small-group rates are compounding around 20% a year. Level funding saves healthy companies an average of 15–20% ... and if it doesn't work out, you switch back at year-end. At this point, standing still is the only move that can't work.
A few years of ~20% increases simply isn't sustainable
One increase, you grit your teeth and absorb it. But small-group rates have been climbing around 20% every year ... and stacked back-to-back, that trajectory breaks any budget. Watch what the same plan does over just a few years:
That's not a line any business can ride for long ... and re-shopping the same plan only slows the climb. The real fix is a smarter strategy.
Show me how to get off this curve →How level funding actually works
It's a hybrid of fully-insured and self-funded that gives a healthy group the upside without the scary volatility:
Steady monthly payment
You pay a fixed amount each month, just like a traditional plan ... no surprise bills, easy to budget.
Underwritten to your group
Because a healthy team is priced on its own claims, you often pay well below one-size-fits-all fully-insured rates.
Money back in a good year
If your group's claims come in low, you can receive a refund of unused dollars ... something a fully-insured plan never does.
Built-in stop-loss
Stop-loss insurance caps the company's exposure, so a bad claim year can't blow up your budget.
The best part: there's no trap door
The number-one worry with level funding is “what if it goes sideways?” Here's why that fear is smaller than it looks:
You're not locked in. If level funding doesn't deliver for your group, you move back to a fully-insured plan at renewal ... no penalty. The stop-loss protects you during the year, and the exit protects you after it. The one option guaranteed to cost you more is doing nothing.
Our promise: a free, no-pressure analysis
We model level funding against what you pay now ... your claims profile, your census, your contributions ... and show you the real number. If we can't save you more than it costs to keep us as your broker, we'll tell you to stay exactly where you are. No pressure, no cost, no catch.
Keep it. We can be your agent of record while you run payroll and benefits right through Gusto or Rippling ... you keep the platform you like and add a licensed broker working to lower your cost. No switching, no disruption.
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