Zane Benefits Publishes New Information on Fully Insured and Self-Insured Health Plans

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Employers Can Save Money, but Assume More Risk, With a Self-Insured Health Plan

Today, Zane Benefits, the #1 Online Health Benefits Solution, published new information on fully-insured and self-insured health plans.

According to Zane Benefits’ website, employers setting up a health plan need to consider both the type of health plan to offer, and how the health plan will be structured. There are two common ways to structure a group health insurance plan: fully-insured and self-insured (or self-funded).

A fully-insured health plan is the more traditional way to structure an employer-sponsored health plan. With a fully-insured health plan the company pays a premium to the insurance carrier and the premium rates are fixed for a year, based on the number of employees enrolled in the plan each month.

According to Zane Benefits’ website, with a self-insured (self-funded) health plan, employers operate their own health plan as opposed to purchasing a fully-insured plan from an insurance carrier. Employers choose to self-insure because it allows them to save the profit margin that an insurance company adds to its premium for a fully-insured plan. However, self-insuring exposes the company to much larger risk in the event that more claims than expected must be paid.

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About Zane Benefits
Zane Benefits, the #1 Online Health Benefits Solution, was founded in 2006 to revolutionize the way employers provide employee health benefits in America. We empower employees to take control over their own healthcare, while helping employers recruit and retain the best talent. Our online solutions allow small and medium-sized businesses to successfully transition to a health benefits program that creates happier employees, reduces costs and frees up more time to serve their customers. For more information about ZaneHealth, visit

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Christina Merhar
Zane Benefits
+1 (800) 391-9209 Ext: 6725
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