EMPLOYEE BENEFITS CONSULTING
The Employer's Guide to Benefits Funding
What your funding model is actually costing you, and what to do about it.
Why This Guide Matters?
Your Funding Model Is a Strategic Decision. Most Employers Aren't Treating It Like One.
For most employers, health benefits are the second-largest business expense, behind only payroll.
Yet the funding structure that determines who holds the financial risk, who owns your claims data, and how much control you have over costs rarely gets the strategic attention it deserves.
In this guide, OneDigital's employee benefits consultants break down every funding option available so employers can:
- Understand what their current model is actually costing them
- Evaluate every alternative, in plain language, without jargon
- Identify the right fit for their size, risk tolerance, and goals
- Take action before renewal forces a reactive decision
Frequently Asked Questions
A complimentary guide from OneDigital that breaks down the most common health benefits funding structures, Fully Insured, Level-Funded, Self-Funded, and Group Captive, in plain language, so employers can evaluate which model best fits their organization's size, risk tolerance, and financial goals.
Health benefits are the second-largest business expense for most employers, behind only payroll. Yet most funding decisions are made by default, not design. With medical cost trends projected at 9% and renewal increases at 20%+, the funding model you choose directly affects your cost exposure, data visibility, and ability to act before the carrier quote arrives.
This guide is designed for HR and benefits leaders, CFOs and finance teams, operations and executive decision-makers, and any employer who has ever received a renewal increase without a clear explanation of what's driving it.
No. This guide is provided at no cost by OneDigital as an educational resource for employers.
You'll receive immediate access to the full PDF guide. You'll also have the option to connect with a OneDigital benefits consultant to request a no-cost funding feasibility analysis, using your current data to model what's possible under a different structure.
Download the Guide
