Arizona Level-Funded Group Health Insurance

How It Works

Level-funded plans blend the predictability of fully insured coverage with the savings potential of self-funding. You pay a set monthly amount that covers a claims fund, stop-loss insurance, and administration — and if your group’s claims come in low, you can receive a refund at year-end.

Key Advantages

• Set monthly payment, like a fully insured plan
• Potential 15–25% savings for healthier groups
• Year-end surplus refunds when claims are low
• Stop-loss protection caps your risk
• Claims data and transparency

Best Fit For

Carrier Options

Available from Aetna (Funding Advantage), UnitedHealthcare (All Savers), Sana, Allied National, Angle Health, and Arlo Health.