Group Health Insurance Plans

Tailored Solutions for Diverse Needs
At Kalish Financial, we design tailored group benefits packages that help attract and retain talent while controlling costs. Whether you’re a small business or a large enterprise, we’ll guide you through Fully Insured, Level-Funded, and Self-Funded options to find the best fit for your organization.
Fully Insured Group Health Insurance Plans
With Fully Insured plans, your company pays a fixed premium each month to a carrier, and the insurer assumes all claims risk.
Key Features:
- Predictable Costs: Fixed monthly premiums simplify budgeting
- Carrier Administration: The insurer handles claims processing, compliance, and reporting
- Regulatory Protection: Insurer bears risk of high claims and must comply with state mandated benefits
Best For:
- Organizations seeking stable, predictable costs
- Employers without internal HR capacity for benefits administration
- Companies that prefer an all-in-one solution
Considerations:
- Premiums may rise annually based on the group’s claims experience
- Limited flexibility to tailor benefits beyond standard plan designs
- No access to surplus funds if claims run below premium revenue
Level-Funded Group Health Insurance Plans
Level-Funded plans blend aspects of Fully Insured and Self-Funded designs, offering budget predictability with potential for claims rebates.
Key Features:
- Level Monthly Payments: Similar to fully insured premiums, covering expected claims, administrative fees, and stop-loss coverage
- Claims Refund Potential: Unused claims dollars may be returned at year-end
- Stop-Loss Protection: Caps the employer’s maximum claims liability
Best For:
- Small to midsize employers looking to control costs and gain transparency
- Companies prepared to share in cost savings if claims are lower than expected
- Organizations wanting stop-loss security without full self-insurance risk
Considerations:
- Up-front stop-loss premiums can be higher than fully insured
- Potential for unexpected costs if claims exceed stop-loss thresholds
- Requires moderate administrative involvement (e.g., enrollment support, basic claims oversight)
Self-Funded Group Health Insurance Plans
Self-Funded plans place the claims risk squarely with the employer, offering the greatest flexibility and potential cost savings.
Key Features:
- Pay-As-You-Go Financing: You only fund actual claims and administrative costs
- Customized Plan Design: Tailor benefits to your workforce’s unique needs
- Cash Flow Advantage: Premiums stay with your company until claims are paid
Best For:
- Larger employers with stable workforces and strong cash reserves
- Businesses seeking maximum plan design flexibility
- Employers willing to invest in robust benefits administration infrastructure
Considerations:
- Exposure to higher-than-expected claims without adequate stop-loss coverage
- Requires dedicated resources for claims processing, compliance, and reporting
- Greater regulatory and administrative responsibilities
Why Choose Kalish Financial for Your Group Benefits?
- Expert Guidance: We analyze your workforce demographics and claims data to recommend the optimal funding strategy.
- Seamless Administration: From quoting and enrollment to ongoing compliance and renewals, we handle the heavy lifting.
- Cost Management: We negotiate with carriers, review proposals side by side, and implement cost-containment strategies.
- Employee Education: We provide easy-to-understand materials and enrollment support to maximize plan engagement.
We’d love to hear from you.
Take control of your future by contacting us today for a free consultation and let our expert team guide you through your financial journey. Reach out now to schedule your personalized planning session and start building the secure financial future you deserve.