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SELF-INSURED HEALTH PLANS

Maximum Control, Maximum Savings.

Take full control of your group's healthcare spending.

Self-insured health plans put you in the driver's seat. Pay only for actual claims, access real-time data, and customize benefits exactly how your clients want them. Built for groups ready to embrace transparency and reap the rewards of smart healthcare spending.

Achieve 25-40% cost savings with complete plan flexibility.

How Self-Insured Works

Pay-As-You-Go Model

Pay actual claims costs instead of fixed premiums

Monthly administrative fees plus claim reimbursements

Direct savings when employees stay healthy

Immediate cash flow benefits from lower utilization

Complete Claims Transparency

Real-time claims data shows exactly where money goes

Monthly reports break down spending by category

Individual claim tracking for informed decision making

Full visibility into provider costs and utilization patterns

Custom Plan Design

Build benefits that match your group's exact needs

Choose deductibles, copays, and coverage levels

Add or remove benefits throughout the plan year

Design wellness incentives that actually work

Self-Insured vs. Level Funded

FACTOR

Monthly Costs

Claim Responsibility

Savings Potential

Plan Flexibility

SELF-INSURED

Variable monthly costs

flexible

Direct claim responsibility

high risk

Maximum savings potential

high reward

Complete plan flexibility

flexible

LEVEL-FUNDED

Fixed monthly premiums

stable

Built-in stop-loss protection

protected

Moderate savings with predictability

moderate

Limited plan design options

restricted

Not every employer is ready for self-funding — and that’s okay. The key is matching the right funding strategy to your group’s goals and financial position. Self-insurance offers powerful financial control and works best for organizations with the stability to manage their own healthcare dollars.

Self-Funded Insurance
Offers Financial Control

Self-insured employers gain direct oversight of every healthcare dollar.

Pay only for actual claim costs — no carrier markups or profit margins

Keep unspent reserves instead of losing them to premiums

Recognize savings immediately when utilization runs low

Maintain full authority over reserve funds, claims payments, and cash flow

With this level of control, groups can turn predictable spending into long-term savings — all while using real-time data to make smarter decisions.

Self-Funded Policies are Perfect for Established Groupd

Self-insurance works best for organizations with the structure and stability to manage variable claims.

100+ employees with steady participation and claims history

Solid financial footing to handle occasional cost fluctuations

Active focus on wellness and employee engagement

Desire for maximum transparency and strategic cost management

These groups are ideally positioned to capture the full savings and flexibility self-funding provides.

MYHEALTHILY'S
SELF-INSURANCE ADVANTAGE

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Streamlined Plan Setup

Expert guidance through plan design process, automated ERISA documentation and compliance, stop-loss insurance placement and management, professional plan administration from day one

Advanced Reporting Platform

Real-time dashboards track claims and costs, monthly financial reports with trend analysis, utilization management tools and alerts, custom reporting for board presentations

Integrated Wellness Tools

Biometric screening coordination and incentives, health coaching programs with measurable ROI, disease management for chronic conditions, preventive care promotion with cost tracking

Risk Management Strategies

Stop-Loss Protection

Specific stop-loss protects against large individual claims

Aggregate stop-loss caps total annual exposure

Competitive rates through carrier relationships

Expert placement and claims management

Reserve Management

IBNR calculations ensure adequate claim reserves

Monthly cash flow projections and planning

Claims run-out analysis for accurate budgeting

Professional reserve management and investment

Claims Management

Proactive case management for high-cost conditions

Utilization review and prior authorization programs

Network steerage to preferred providers

Appeals management and resolution

Implementation Process

Plan Design and Setup

Complete the benefit design consultation, ensure ERISA documentation and legal compliance, stop-loss placement with carrier negotiations, administrative system setup and testing.

Employee Communication

Provide comprehensive education on self-insurance benefits, deliver transparency tools to show how choices affect costs, launch wellness programs with participation incentives, and maintain ongoing communication about plan performance.

Go-Live and Management

Ensure a seamless transition from previous coverage, provide real-time monitoring and support, conduct monthly performance reviews with action items, and drive continuous optimization and plan refinement.

MAXIMIZE
SELF-INSURANCE SUCCESS

Wellness Program Excellence

Financial incentives tied to participation and outcomes

Health risk assessments with personalized coaching

On-site services including flu shots and screenings

Chronic disease management with cost tracking

Provider Network Optimization

Direct primary care partnerships for routine services

Centers of excellence for high-cost procedures

Telehealth integration for convenient, low-cost care

Provider transparency tools for smart decision making

Claims Cost Management

Pharmacy benefit optimization with generic programs

Reference-based pricing for facility services

Medical tourism programs for elective procedures

Shared savings programs with provider partners

Why Choose MyHealthily for Self-Insurance?

Transform healthcare spending through intelligent plan management.

Technology Leadership

• Real-time claims processing and reporting

• Advanced analytics for cost management

• Automated compliance monitoring and reporting

• Mobile apps for employee engagement

Expert Administration

• Dedicated account management for self-insurance expertise

• Complete ERISA compliance and fiduciary services

• Professional claims adjudication and payment

• Strategic consulting for ongoing optimization

Proven Results

• Average 30% savings for qualified self-insured groups

• 95% client satisfaction with transparency and service

• Strong claims management preventing cost escalation

• Successful wellness programs with measurable ROI

READY TO EMBRACE
SELF-INSURANCE

Bring a group case and see self-insured savings in action.

Your claims. Your data. Your savings. Professional administration included.

Explore Self-Insurance Options

SELF-INSURED HEALTH PLANS

How Self-Insured Works

Self-Insured vs. Level Funded

Key Benefits for Your Clients

MYHEALTHILY'S SELF-INSURANCE ADVANTAGE