Self-Funded Plans (ASO)

Self-Funded Plans (ASO)

Self-funded health plans put the employer in the position of paying claims directly rather than purchasing coverage through a carrier at a fixed premium. The organization retains the financial risk, gains full access to claims data, and controls plan design without the constraints that state insurance mandates impose on fully insured arrangements. For employers, that creates the opportunity to reduce long-term healthcare spending, but only when the plan is structured, negotiated, and managed with the same rigor applied to any other significant financial commitment.

Victor Insures You is a self-funded group health insurance broker that builds and manages self-funded programs for employers who want visibility into where their healthcare dollars go. We negotiate stop-loss placement, evaluate ASO partners on operational performance, and use your claims data to drive plan design decisions that affect cost year over year.