Level-Funded & Alternative Funding Programs

Aetna (CVS Health) self-funded / level-funded medical plan with a preset monthly maximum, Aetna stop-loss, 50% surplus on renewal, and Springboard Marketplace enrollment.

UnitedHealthcare small-business self-funded brand (All Savers Alternate Funding) with level monthly claims funding, UHC network access, and All Savers-affiliated stop-loss.

Overland Park, Kansas TPA/administrator (since 1970) whose Funding Advantage level-funded medical is sold for groups of two or more employees through agents and GAs.

Cigna Healthcare self-funding product that combines claims funding, stop-loss premium, and admin fees into a preset monthly payment for groups of 25–999 eligible employees.

Columbia, South Carolina insurer (since 1971) that writes medical stop-loss, including level self-funded options, plus accident & health and group employee-benefits products.

Elevance Health (NYSE: ELV) parent of Anthem-branded and other affiliated health plans that sell Balanced Funding level-funded medical and MEWA options for small groups.

Health Care Service Corporation, the Blues plan company for Illinois, Montana, New Mexico, Oklahoma, and Texas, offering Blue Balance Funded level-funded group medical in those states.

Self-funded employer medical company offering reference-based pricing, PPO, and a level-funded plan for 50–250 eligible employees with up to 50% surplus reimbursement.

Employee-benefits group captive now marketed as ParetoHealth: midsize employers (50–1,000 employees) share risk in a captive layer with stop-loss above it.

Level-funded small-business medical carrier with included $0 Sana Care virtual primary care, a published 16-state office list, and a 2-employee minimum.

UnitedHealthcare copay-only employer medical plan with no deductible or coinsurance, sold self-funded, level-funded, and fully insured in 49 states (not Hawaii).

Trustmark Small Business Benefits level-funded self-funded medical for groups with 5+ enrolling employees, administered by Star Marketing and Administration, with stop-loss from Trustmark Life.

UnitedHealthcare self-funded medical product with a fixed monthly payment, built-in stop-loss, and possible year-end surplus refund.