Page 21 - Health Connect America
P. 21
Funding analysis
Fully Insured vs. Self-Funded
Fully insured vs. self-funded
Maximum liability for
the employer Expected liability for
Fixed liability for the employer
the employer
Corridor
for high claims (25%)
Claims
(included in fixed cost) Claims
(variable cost)
Fixed cost
for the
employer
Total savings Stop-loss premium Specific (ISL)/
Administration 3% – 5% aggregate
(ASL)
Administration
Fully insured Self-funded
2
Health Connect America — Lockton Total Rewards Practice overview 21 Lockton Companies
Fully Insured vs. Self-Funded
Fully insured vs. self-funded
Maximum liability for
the employer Expected liability for
Fixed liability for the employer
the employer
Corridor
for high claims (25%)
Claims
(included in fixed cost) Claims
(variable cost)
Fixed cost
for the
employer
Total savings Stop-loss premium Specific (ISL)/
Administration 3% – 5% aggregate
(ASL)
Administration
Fully insured Self-funded
2
Health Connect America — Lockton Total Rewards Practice overview 21 Lockton Companies
