Self-insuring company health benefits eliminates insurance carrier profit margins and administrative fees, typically saving 10-30% annually. Companies pay only for actual claims rather than predetermined premiums, improving cash flow and retaining unused funds. This approach provides complete control over plan design, allowing customization to workforce needs while accessing detailed claims data for targeted wellness programs.

Stop-loss insurance is available to protects against catastrophic claims at various coverage levels, ensuring employees maintain high-limit benefits without exposing the company to unlimited risk. This hybrid model combines the cost efficiency of self-insurance with the financial security of traditional plans, making it an increasingly practical solution for organizations seeking sustainable healthcare cost management while maintaining competitive employee benefits.