Self-Funded Plan

An employer health plan where the company pays employees’ claims itself instead of buying full insurance — usually with stop-loss coverage to cap the risk. Common for larger firms.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.