Level Funded Playbook
Level funded health insurance covers more than 12 million workers at small employers. Most of them cannot tell you how the money moves, who owns the risk, or what happens at year-end reconciliation. Most of the brokers who sold them the plan cannot either.
Level funded health insurance covers more than 12 million workers at small employers. Most of them cannot tell you how the money moves, who owns the risk, or what happens at year-end reconciliation. Most of the brokers who sold them the plan cannot either.
The Level Funded Playbook is a comprehensive analytical map of the product: the mechanics, the stop loss market, the regulatory framework, the employer populations the architecture was built for, and the ones it was not. It covers the cost drivers repricing the product faster than most advisors have noticed, the TPA operations that determine whether level funded delivers on its transparency promise or merely satisfies an administrative fee, and the geographic and workforce variables that determine whether the economics hold before the plan documents are signed.
The final series is a product proposal. The adjacent collection names populations the architecture left behind. The counter-thesis collection tests every major component against three questions a CEO actually asks: does coverage protect the company from financial risk, does the employee receive genuine health access, and is the arrangement honest.
This is not a guide to selling level funded. It is a map of how the product works, where it fails, who it serves, and what would have to be true for it to serve the next ten million workers the employer-sponsored insurance system is not currently reaching.