Alternative Funding Arrangements

Atypical funding arrangements based on a fully-insured arrangement and including options like contingent premium contingent premium
An alternative fully-insured funding arrangement with an annual settlement using group-specific premium and claims. The employer pays a discounted premium (e.g. 95% of full premium) and is allowed to keep all or a portion of the 5% reduction if the actual costs come in below the expected cost.   and dividend-eligible funding.  Alternate funding arrangements transfer at least some risk from the insurance carrier to the employer, but do not go as far as a true self-insure premium premium
Payment to your insurance company for health and prescription drug coverage. If you receive health insurance through your employer, your premium may be deducted directly from your paycheck. If you have separate health and dental insurance, you would have two premiums. If you don’t pay your premium, your health care coverage will be cancelled. and dividend-eligible funding dividend-eligible funding
An alternative fully-insured funding arrangement that includes an annual settlement using group-specific premium and claims.  The annual settlement compares premiums paid to claims and expenses to determine an underwriting gain or loss.  Employers receive a portion of underwriting gains and may be subject to a risk charge and/or balance carry-forward for underwriting losses. .  Alternate funding arrangements transfer at least some risk from the insurance carrier to the employer, but do not go as far as a true self-insured plan.