Self-Funded Health Plan Consulting for Cost Control and Flexibility

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Should Your Company Consider a Self-Funded Health Plan?

If your health insurance premiums feel unpredictable or unsustainable, it may be time to explore a different approach.



A self-funded health plan allows your company to pay for actual employee medical claims rather than fixed premiums to an insurance carrier. When claims are lower than expected, your business keeps the savings. With the right structure and safeguards in place, self funding healthcare can deliver greater transparency, flexibility, and long-term cost control.

How Self-Funded Health Plans Work

In a self-insured employee benefits model:

Small Business Health Insurance (1-50 Employees)

We help small employers access competitive small-group programs and explore cost-saving options like level-funded plans. Even very small teams can offer meaningful employer-sponsored health coverage with the right structure.

Mid-Sized and Growing Companies

As your workforce expands, we negotiate broader group medical insurance options and refine contribution strategies to manage long-term costs.

Larger Employers

Unlike fully insured plans—where you pay fixed premiums regardless of claims experience—self-funded arrangements reward efficient claims management and healthier populations.

Self-Funded vs. Fully Insured: What's the Difference?

Fully Insured Plans

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Fixed monthly premiums

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Carrier assumes claims risk

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Limited cost transparency

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Less flexibility in plan design

Self-Funded Plans

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Pay actual claims (with protections in place)

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Greater control over plan structure

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Access to detailed claims data

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Potential long-term savings

For mid-sized businesses, the shift can create significant financial advantages—when implemented properly.

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Advanced Cost Control Through Data and Stop-Loss Strategy

Self-funding requires thoughtful management. Breier Group Concepts brings specialized expertise in stop-loss insurance and health plan cost control to ensure your exposure remains predictable.



Our approach includes:

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Detailed feasibility studies

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Claims data analysis and modeling

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Stop-loss policy procurement and negotiation

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Network optimization

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Ongoing claims audits and performance reviews

We continuously monitor plan performance to identify trends, prevent cost escalation, and make proactive adjustments.

Is Self-Funding Only for Large Corporations?

Not anymore. While historically used by large employers, many mid-sized businesses—sometimes with as few as 75-150 employees—are exploring partial self-funding or level-funded arrangements.


We assess:

  • Workforce size and demographics
  • Claims history and stability
  • Financial capacity and risk tolerance
  • Long-term growth plans

If self-funding makes sense, we design a plan tailored to your organization. If not, we recommend alternatives that better fit your structure.

Common Concerns-And How We Address Them

"What if one large claim drains our budget?"

Stop-loss insurance caps your exposure on both individual and aggregate claims, protecting against catastrophic risk.

"This sounds complicated."

We manage the process end-to-end-coordinating TPAs, stop-loss carriers, and network partners—so you don't have to.

"We're not sure we're big enough."

We conduct a candid feasibility review and only recommend self-insurance strategies when data supports it.

"Will employees notice a difference?"

Properly structured self-funded plans often enhance plan flexibility while maintaining strong provider access.

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What You Gain With the Right Structure

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Improved healthcare spend transparency

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Greater control over plan design

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Potential long-term cost stability

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Data-driven decision-making

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Strategic flexibility as your company grows

Self-funded health plans can transform benefits from a fixed expense into a manageable financial strategy.

Ready to Take Control of Healthcare Costs?

If your renewal increases feel out of step with your claims experience, a self-funded strategy may offer a smarter path forward. The next step is understanding your numbers—and your options.

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Frequently Asked Questions

  • Should my company self-fund our health insurance?

    It depends on workforce size, claims stability, and financial readiness. We perform a detailed analysis to determine if self-funding aligns with your risk profile.

  • How do self-funded health plans work for mid-size businesses?

    Many mid-sized employers use partial self-funding or level-funded models that combine predictable payments with stop-loss protection.

  • What is stop-loss insurance?

    Stop-loss insurance protects your company from catastrophic claims by capping individual and overall plan liability.

  • Is self-insurance riskier than fully insured plans?

    Without safeguards, it can be. With proper stop-loss coverage, data oversight, and plan design, risk can be managed effectively.

  • Can we switch back to fully insured if needed?

    Yes. We regularly evaluate plan performance and adjust strategy based on your company's evolving needs.

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A Smarter Way to Fund Employee Healthcare

Breier Group Concepts provides self-funded health plan consulting in New York and across the New York Tri-State Area, helping businesses reduce volatility and gain strategic control over employee benefits.