Executive Summary

A growing number of small and midsize employers are opting to self-insure their employee health plans; primarily due to rising health care premiums and regulations. The annual premiums for employer-sponsored family health coverage reached $18,142, with workers paying $5,277 toward their plan in 2016, according to the Kaiser Family Foundation. Large employers have utilized the self-funded model for many years now, and small to mid-size companies are beginning to realize the benefits of a self-funded plan.

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