Self-Funded Health Plans with More Control and Transparency
If you’re looking for more flexibility and cost control over your employee benefits, a self-funded health plan might be the right move. At Murillo Insurance Agency, we help businesses evaluate, implement, and manage self-funded strategies with the same clarity and personal support we bring to every solution. You get the potential savings and plan design control—without taking on the risk alone.
Frequently Asked Questions
What is a self-funded health plan?
With a self-funded plan, your business pays for employees’ healthcare claims directly, rather than through monthly premiums to an insurance carrier. You can still use a third-party administrator (TPA) to manage claims and network access.
Is self-funding right for my business?
Self-funding may be a strong fit for businesses with a stable workforce and predictable health claims. We’ll help you run the numbers, assess the risk, and decide if it makes sense for your goals.
What’s the risk with self-funded plans?
While there is more financial responsibility, you can mitigate risk with stop-loss insurance. We’ll help you structure the plan to protect your business and ensure sustainability.
Customized Plan Design, Built Around Your Business
Self-funded plans offer greater flexibility when it comes to coverage levels, provider networks, and plan structure. We’ll help you design a benefits package that reflects your team’s needs, keeps unnecessary costs in check, and offers transparency you don’t get with fully insured plans.
Strategic Guidance for Smarter Cost Control
With self-funding, knowledge is power. We provide ongoing insights into claims trends, cost drivers, and utilization, helping you make proactive decisions that keep costs stable without cutting benefits. Our team is here to ensure you’re supported—not just at implementation, but throughout the plan year.
Explore the Benefits of Self-Funding—Confidently
Considering a self-funded health plan? Let’s talk through the pros, cons, and whether it’s the right strategy for your business. Murillo Insurance Agency will guide you every step of the way—with honesty, clarity, and zero pressure.