你说的这个叫benefits handling company, 一般就是公司雇佣一个外包公司帮你去market上shop healthcare, lifeinsurance这些provider. 我说的是self-insured healthcare plan, 现在已经越来越流行了，因为省很多钱
A self-insured (or self-funded) healthcare plan is a type of health insurance arrangement where an employer assumes the financial risk of providing healthcare benefits to its employees, rather than purchasing a traditional insurance policy from an insurance company.
How it works:
The employer pays for employee healthcare costs directly, typically out of a special fund.
Instead of paying premiums to an insurance carrier, the employer sets aside money to pay for medical claims as they arise.
The employer often hires a third-party administrator (TPA) to manage the claims, provider networks, and administrative tasks.
Key features:
Feature Self-Insured Plan
Risk bearer Employer
Premiums Not paid to insurer; employer funds claims
Customization Highly customizable benefits
Stop-loss insurance Often purchased to protect against high-cost claims
Advantages:
Cost savings (especially if employees are healthy)
More control over plan design
Exempt from many state insurance regulations (ERISA preemption)
Disadvantages:
Employer bears the risk of high or unpredictable claims
Financial volatility if large claims occur
This model is popular among large employers, but some small to mid-sized businesses also use it with stop-loss coverage to manage risk.
Rather 写了： 2025年 5月 18日 10:47
没有吧。现在好多公司在保险和员工之间加了个Insurance Management Company，用这个来进一步降低费用。
