Self-Insuring Group Health Plan Benefits: Key Considerations for Employers

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Whether to self-insure or fully insure an employer’s benefit programs, in particular the medical coverage offered to employees, constitutes a long-term major decision. The decision is one whose full spectrum must be analyzed completely and the known calculated risk understood. Some organizations steer away from the risk while others innately embrace it. What key considerations should you bear in mind when evaluating whether to self-insure?