Area Benefits Wisconsin's Leader In Level Funding Planning  

What Are the Advantages of Level-Funded Health Insurance For Wisconsin Businesses?

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Level-Funded Health Insurance is a smarter, more transparent way to offer employee benefits. It blends the fixed costs of a traditional health plan with the flexibility and control of self-funding. This model is especially attractive to small and mid-sized businesses looking for savings, customization, and insight without taking on the full risk of self-insurance.

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At Area Benefits, we take the confusion out of self-funding. You don’t need to be an expert. We walk you through every step, helping you make informed decisions that benefit your business and your employees.

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Predictable Monthly Costs Level-funded plans come with fixed monthly payments that are easy to budget. The monthly cost usually covers administrative services, claims funding, and stop-loss insurance. You know what you’re spending each month, no surprises.

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Chance for Refunds and Real Savings If claims come in lower than expected, employers can receive a refund of unused claim funds at the end of the year. With traditional insurance, any leftover premium stays with the carrier. Level-funding rewards employers for managing healthcare wisely and promoting a healthier workforce.

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Detailed Claims Data With monthly reporting, you get a clear view of how your healthcare dollars are being used. This helps identify trends, manage costs, and even guide wellness programs. You’re not in the dark anymore.

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Flexible Plan Design Level-funding gives you more control over how your health plan is structured. You can customize benefits to match your team’s needs instead of choosing from a one-size-fits-all package.

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Built-in Protection Every level-funded plan includes stop-loss insurance. That means you’re protected if any one person has a high-cost claim or if total claims exceed expectations. You keep the upside without taking on unlimited risk.

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Tax and Regulatory Benefits Because level-funded plans fall under federal ERISA guidelines, they may be exempt from state premium taxes and some ACA requirements. That can mean more savings for your business.

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Rewards Healthier Groups Your rates and potential refund are based on your group’s actual health claims, not a broad community average. If your employees stay healthy, your business keeps more of the money.

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A Smart First Step Toward Full Self-Funding If you’ve thought about self-funding but weren’t ready for the risk, level-funding is a perfect middle ground. It’s controlled, predictable, and supported by experts like us who make it easier to understand.

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Education Comes Standard We do more than design benefits. We help you understand them. Our job is to simplify complex options and make sure you always know where your money is going and how to make it work harder.