Level funded health insurance options across the United States with local offices in Medinah and Chicago, IL.

Level funded health insurance options are a great option for smaller businesses with 100 or less employees. Level funded health insurance offers predictability of a traditional fully insured health plan with savings that are comparable to self-funded programs.

Level funded health insurance offers a monthly consistent cost and protection from unexpected claim costs. Plus, you get wellness programs that are built-in that reward employees for engaging in healthier lifestyles.

Unlike traditionally fully insured health plans, your business receives a reimbursement at the end of the year if your claims are lower than expected. When your employees are healthy, you share in the savings.  If you experience claims that are higher than you expected, your stop-loss coverage policy kicks in. Stop-loss is coverage that is purchased along with your level funded policy to protect against catastrophic or unexpected loss. A stop-loss policy (also known as excess insurance) allows employers to save money through level funded health insurance, but do not want to assume 100% of the liability. There are two types of:

  • Specific Stop-Loss provides protection against a claim on any one individual.
  • Aggregate Stop-Loss provides a ceiling on the dollar amount of eligible expenses that an employer would pay during a contract period.

To learn more about level funded options for your business, contact Kamm Insurance Group and we’ll walk you through the options.

Let’s discuss your level funded health insurance.

One of our benefits advisors will reach out to you to review your information and present you with the appropriate level funded health insurance solution. There’s no obligation, just good-old-fashioned advice.
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Kamm Insurance Group offers comprehensive level funded health insurance across the United States, including Arizona, California, Colorado, Florida, Illinois, Iowa, Massachusetts, Michigan, Nevada, New Mexico, New York, Oregon, South Carolina, Tennessee, Utah, Washington and Wisconsin.