How Self-Funding Puts Companies Back in Control of Healthcare Costs

In today’s economic environment, healthcare costs remain one of the largest and least transparent line items on a company’s balance sheet. For CFOs tasked with managing risk and maximizing every dollar, self-funding a health plan offers a critical opportunity: true financial control.

Access to Real Data, Real Decisions

Unlike fully insured plans, where premiums are fixed and claims are hidden behind the carrier’s curtain, self-funded plans give employers full access to their claims data. This transparency allows CFOs to analyze where dollars are being spent—on high-cost prescriptions, avoidable ER visits, imaging, or chronic conditions—and make targeted decisions that lower spend without reducing employee value.

Proactive, Not Reactive

Self-funding flips the renewal process on its head. Instead of being surprised by a double-digit increase each year with little explanation, CFOs can track trends throughout the year and intervene in real-time—whether that means introducing direct primary care, carving out pharmacy benefits, or renegotiating contracts based on actual utilization.

Custom Plan Design with a Purpose

Self-funded employers aren’t forced into one-size-fits-all plans. You have the ability to design benefits that match your workforce’s needs—and your financial goals. From offering free generic medications to waiving imaging costs when employees use lower-cost centers, smart plan design saves money while improving the employee experience.

Bottom Line:

Fully insured plans keep you in the dark. Self-funding hands you the flashlight—and the map. If you're a CFO looking for predictability, flexibility, and better ROI on your healthcare spend, self-funding may be the strategic shift your organization needs.

Schedule a Consultation