HealthLeaders Media October 4, 2017
Small employers are facing formidable hurdles as they consider self-funding health insurance plans. But self-funding still holds appeal.
Increasing regulation of self-funded health plans is complicating the efforts of some employers as they seek an alternative to plans offered under the Affordable Care Act, one analyst says.
Most of the stiff regulation involves stop-loss, the reinsurance that protects employers from catastrophic losses.
The regulatory hurdles still are not enough to deter many employers who see self-funding as the better option, says Tim Callender, vice president of sales and marketing for The Phia Group, a consulting company that offers healthcare cost containment services.
Self-funded plans are regulated by the Employee Retirement Income Security Act of 1974 (ERISA), a federal law that...
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