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UnitedHealthcare Level Funded

Public facts

Carrier level-funded medical

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

Visit uhc.com

Overview

UnitedHealthcare Level Funded is a self-funded group medical arrangement sold by UnitedHealthcare. Employers pay a locked monthly amount for the plan year that covers claims funding, administration, and stop-loss. If medical and pharmacy claims run below expected, the plan may receive a surplus refund at year-end. Official materials say the product is not available in all states and that group-size rules can vary by state.

Why it matters It is a national-carrier level-funded medical option with UHC network access and a published surplus-refund story, quoted alongside fully insured UHC small-group.

Target buyer
Small and midsize employers, and the brokers who quote UHC group medical, who want self-funding mechanics with a predictable monthly bill.
Pricing model
Not published; quoted monthly maximum that combines claims funding, administration, and stop-loss
No public PEPM or rate card. A UnitedHealthcare broker article states plan sponsors may pay 22% less on average versus a fully insured UHC plan; that is a vendor comparison, not a list price. Product availability varies by location.
Availability
National
Research
Last researched 2026-08-23
Public facts category

Key features

  • Fixed monthly payment for the plan year, regardless of month-to-month claims
  • Stop-loss protection against unexpected high claims
  • Possible year-end surplus refund when claims are lower than expected
  • HSA, PPO, and EPO plan portfolios
  • Access to UnitedHealthcare’s proprietary network (vendor: 1.6 million physicians/professionals and 6,200+ hospitals)
  • Wellness programs described as included at no additional cost
  • Claims-cost and network-utilization reporting plus digital plan-management tools
  • Optional bundle of UnitedHealthcare specialty products such as vision and dental

Integrations

  • UnitedHealthcare provider network
  • UnitedHealthcare specialty dental and vision (optional bundle named on the employer page)
  • Pharmacy claims are part of the Level Funded settlement described on the employer page (PBM brand not named on that page)

Overview

UnitedHealthcare Level Funded is UnitedHealthcare’s employer-facing level-funded medical product. The current public employer page titles the offering “UnitedHealthcare Level Funded” and shares a URL with All Savers Alternate Funding. Administrative services are provided by United HealthCare Services, Inc. or affiliates (UnitedHealthcare Service LLC in New York). Stop-loss is underwritten by All Savers Insurance Company in most states, with other UnitedHealthcare-affiliated carriers named for Massachusetts, Minnesota, New Jersey, New York, and California in producer materials.

The structure is self-funding with a level bill: the employer sponsors a medical plan that pays covered claims, pays a third-party administrator for claims and service, and buys stop-loss for claims above set limits. The monthly invoice is fixed for the plan year except for enrollment changes. Surplus may be refunded if claims come in below the funded amount.

UnitedHealthcare is the commercial health-benefits brand of UnitedHealth Group. This page covers the Level Funded medical product, not the full UHC commercial book.

Key Capabilities

  • Predictable monthly funding that includes claims, administration, and stop-loss.
  • Year-end surplus refund potential when medical and pharmacy claims are lower than expected.
  • Stop-loss so the employer is not asked for extra claims money after a high-claims year (as described on the employer page).
  • Plan-design catalogs: HSA, PPO, and EPO portfolios, plus “dozens of plan designs, networks and specialty options.”
  • Network access described as UHC’s proprietary network (1.6 million physicians and health care professionals; 6,200+ hospitals on the cited page).
  • Included wellness programs (no additional-cost claim is the vendor’s; programs are not itemized on that page).
  • Reporting on claims cost and network utilization, plus digital employer tools.
  • Optional specialty medical bundle (vision and dental named).
  • Self-funded framing: marketing says the employer may be exempt from many state premium taxes and some ACA fully insured rules, including adjusted community rating. Legal and tax effects still depend on the group and state.

Producer materials historically target groups with about 5 enrolled to 300 eligible participants, with state variation. That band is not restated as a single number on the current employer marketing page.

Integrations & Ecosystem

The public employer page does not publish a ben-admin, payroll, or EDI partner list. Connectivity that is named or implied:

  • UnitedHealthcare medical network and digital member/employer tools.
  • Optional UnitedHealthcare specialty (dental, vision).
  • Pharmacy is included in the claims/surplus description; the Level Funded page does not name a PBM.

All Savers-branded employer portals (for example myallsaversconnect) appear in All Savers Alternate Funding materials and may still be used for some groups. Whether a given Level Funded group sits on All Savers vs UHC branding is not fully specified on the shared employer page.

Pricing

No public rate card. The quote is a monthly maximum (claims funding + admin + stop-loss), customized to the group. Surplus refunds, if any, are after year-end settlement and are not guaranteed.

A UHC broker article cites 22% average savings versus fully insured and a 2024 KFF-style statistic that 42% of small companies (3–199 employees) used level-funded plans industry-wide. Those are not list prices.

Notes & Limitations

  • Official disclaimer: product is not available in all states; group-size rules vary. No complete public state matrix was captured in this pass, so availability is recorded as National pending a published list.
  • Level-funded is still self-funding: ERISA plan-sponsor duties, stop-loss contract terms, and run-out/terminal liability matter. Cigna and Aetna pages describe terminal funds explicitly; UHC’s current employer page is thinner on run-out mechanics.
  • Surplus refunds depend on claims, enrollment, and state law (“where allowed” language appears on All Savers brochures).
  • All Savers Alternate Funding is a closely related UHC small-group brand; see the All Savers entry rather than treating the names as unrelated carriers.
  • Network counts and savings comparisons are vendor-reported.

Sources

Tags: level-funded · self-funded · stop-loss · UnitedHealthcare · group medical