Level-Funded Plans (Captives)

Level-Funded Plans (Captives)

Level-funded health insurance gives employers something fully insured plans never will: visibility into claims data, control over plan design, and the opportunity to recapture surplus when utilization comes in below projections. It also introduces complexity in stop-loss placement, TPA selection, and funding structure, requiring a broker willing to negotiate every component.

Victor Insures You is a level-funded health insurance broker that evaluates whether this model fits your workforce, fights for stop-loss terms that protect your budget, and manages the plan aggressively on your behalf. We place level-funded plans when the math supports the move and the structure protects the organization.