It has never been a better time to write self-funded business.

It is edited by Sam Edwards, who has spent 21 years in insurance and the last 12 in employee benefits, across voluntary benefits, retail brokerage and self-funding consulting. Every fact on a vendor page comes from that vendor's own published materials or a state regulator, with the source links and the date it was checked shown on the page. Anything a vendor does not publish is shown as "Not published" rather than estimated. No vendor pays to be listed or can edit its own record; the about page explains where the site stands commercially.

A level-funded plan is a self-funded plan packaged to feel like fully insured: the employer pays a fixed monthly amount that covers expected claims, administration and stop-loss premium. If claims run below expectations, some or all of the unused claims fund is returned as surplus. If they run above, stop-loss insurance covers the excess.

It is built for benefits brokers and consultants placing employer groups, typically 5 to 300 enrolled employees. Employers are welcome to use it too, but most programs listed here are sold through brokers.

Several states regulate small-employer stop loss with minimum specific deductibles, contract-basis rules or laser prohibitions. Programs respond by raising their minimum group size in those states. The finder applies each program's state-specific minimum automatically and each state page explains the underlying rule.

No. State availability, minimums and terms change without notice, and some vendors publish different figures on different pages of their own sites. Every field carries its source and last-checked date. Verify with the vendor before binding coverage.

The full list appears on screen straight away, and the same list arrives once in your inbox with a link to each vendor page. It is not a subscription and there is no follow-up sequence. If you reply to that email with the group's details, you will get an answer from a person, and an introduction to any market on the list.

Direct primary care (DPC) replaces fee-for-service primary care with a flat monthly fee per employee, taking routine care out of the claims fund. Reference-based pricing (RBP) pays hospitals and facilities at a multiple of Medicare instead of a negotiated network rate, with a vendor that reprices claims and supports members if a provider balance-bills. Many self-funded plans use both.