Self-Funded Group Health Plans
Self-Funded Group Health Plans for Smarter Healthcare Spending
Take Control of Your Group Health Costs—With Transparency and Flexibility
Why Choose Our Self Funded Group Health Plans?
In a self-funded (or self-insured) plan, your business pays for healthcare claims directly instead of paying a fixed premium to an insurance carrier. You gain full control over plan design, claims data, and cost management—while still offering the same or better level of care.
To protect your business from large or unexpected claims, we include stop-loss insurance to cap your financial exposure.
Why Employers Choose Self-Funding
Avoid carrier markups and overhead by paying only for actual claims—often resulting in major savings.
Cover what your employees need—nothing more, nothing less. Tailor deductibles, copays, and networks to suit your workforce.
Access real claims data so you can identify trends, eliminate waste, and make informed decisions year after year.
Stop-loss coverage ensures you’re protected from catastrophic claims or unusually high usage.
Unused funds stay with your business—not the insurance company—so you benefit when claims are low.
Ideal for:
- Companies with 25+ employees
- Businesses seeking more budget control
- Employers tired of double-digit annual premium hikes
- HR teams looking to offer competitive benefits with long-term sustainability
How We Support You
At Optimum Management Solutions, we make self-funding simple. Our team provides:
- Claims administration and compliance support
- Plan design consulting
- Stop-loss carrier negotiation
- Employee education and support tools
- Reporting and performance analysis
Whether this is your first step into self-funding or you’re looking to improve your current plan, we’ll help you build a benefits strategy that works harder for your business.