Level Funded vs. Fully Insured Health Plans: What Every Employer Needs to Know

Описание: Health insurance rates jumped double digits in 2025, and many employers are stuck on fully insured small group plans with fixed rates and no flexibility. There's another option most brokers won't bring up: level-funded insurance.

In this video, Warp's Benefits Advisor, Dylan Munn, breaks down what level-funded plans are, how they work, and why they can deliver 60%+ cost savings compared to traditional fully insured plans. He also covers the tradeoffs you need to know, including how medical claims impact renewal rates, what an Individual Medical Questionnaire (IMQ) is, and why stop-loss policies matter.

You'll also learn why most brokers don't mention level-funded plans (hint: it's more work for them) and what to look for in a broker who actually understands how to make them work for your team.

Warp is the only AI-native HR & Payroll platform built for ambitious companies. Instead of clicking through clunky dashboards or .gov websites for taxes, Warp's AI agents open every state tax account, file every payroll form, and resolve every tax notice, automatically. Every company gets a dedicated Account Manager and Benefits Advisor included to guide them through payroll setup, multi-state expansion, and benefits selection.

Have questions? Reach out to our team at warp.co/benefits

Chapters:
0:00 Why health insurance costs are rising
0:17 What is a level-funded plan?
0:56 The pros: potential for 60%+ savings
1:11 The cons: claims risk and renewals
1:31 Why most brokers won't bring this up
2:16 What to look for in the right broker