Discover Level-Funded Health Insurance and Self-Funded Benefits

Rising Healthcare Costs Hurting Your Bottom Line?

We help you save time, reduce costs, and improve satisfaction for everyone involved: you the employer, employees, healthcare providers, insurance carriers, and third party administrators.

Our solutions are reimagining self-funding for employers of all sizes by introducing level-funded health benefits for small to mid-sized employers with up to 150 employees, while offering affordable self-funded plans for larger businesses. Our fully integrated end-to-end solution combines our cutting-edge technology (eDIYBS) and unparalleled self-insured employee benefits.

Combat the Rising Costs of Health Plans

Healthcare costs continue to rise year after year, creating challenges for employers seeking effective benefit plans. To prioritize recruitment and retention, businesses need solutions that provide affordable, accessible benefits without requiring compromises that often come with traditional group health plans.

To combat the rising costs and enhance their plan options, more and more employers are transitioning to self-funded health plans for greater savings, choice, and transparency.

switching to level funded health insurance

"Wait, aren’t self-funded plans only for large companies, too risky, and lacking in quality coverage?"

No. Our level-funding plans solve these misconceptions.

Here’s how…

Quality Self-Funded Benefits that Rival Fully Insured Health Plans

It’s not OUR health plan; it’s YOUR health plan. Our self-funded and level-funded plans are designed to give you full autonomy to build the coverage that works for your budget and employees.

Managing Self-Funded Risk

For small and mid-size companies we mitigate the self-funding risk by offering level-funded benefits, which helps manage health care costs by blending the predictability of fixed monthly payments with the cost savings and flexibility of self insuring.

Your business pays a set amount each month to cover costs of actual claims, administrative services, and stop-loss insurance. If employee health claims are lower than expected, your company can get a potential refund at the end of the year representing additional savings for your business.

Affordable Quality Options for All Sizes of Business

Self-funding in the form of level-funding has never been easier or more accessible. Our level-funded benefit plans are designed to help small and mid-sized businesses manage costs while providing access to quality coverage without the typical risks of self-funding. A level-funded health plan provides a fixed cost structure and predictable monthly contributions, making it easier for employers to budget for monthly costs.

For larger employers, we offer self-funded plans that leverage group size to deliver more affordable options and enhanced benefits compared to fully insured plans.

How Our End-to-End Health Plan Ecosystem Works for Your Business

Design Your Level-Funded or Self-Funded Benefits Plan

Our stop-loss insurance provides creative risk modeling to design the health benefits plan that is right for your risk tolerance, business budget and for your employees using our eDIYBS industry leading technology to quote and bind your health benefits. Choose from 12 plan options.

Quote and Bind in Record Time

Our proprietary eDIYBS platform empowers your business to generate bindable quotes and finalize your healthcare plans in minutes—saving you the days or weeks typically spent on the process. Designed for businesses of all sizes, our platform delivers speed, accuracy, and complete autonomy.

For small and mid-size businesses, there’s an additional advantage: access to level-funded health plans. This proven cost-control strategy, traditionally reserved for larger companies, are now available to help smaller businesses manage healthcare benefits expenses more effectively.

We are one of the few industry leaders offering such sophisticated quoting and underwriting platform to empower your team to control healthcare costs and keep you ahead of the competition in attracting and retaining talent.

Empower Seamless Integration with HI Card*

It's time to power up your employee health benefits by simplifying benefits administration with the Healthcare Intelligence Card (HI Card)*, designed to streamline interactions between employees, providers, brokers, and TPAs. Say goodbye to delays in paying claims and the hassle of accessing patient health information.

Your employees can also access their data including full plan benefit details, medical records, and more for healthier employees and informed decisions.

HI Card* brings all healthcare services under one centralized system for seamless coordination, which makes providing health benefits a breeze.

Secure Lower Employee Cost Through HI Performance Network*

Our health plans provide your employees access to more affordable benefits by leveraging our HI Performance Network,* which uses reference-based pricing.

Our HI Card* streamlined platform connects employees to this exclusive group of healthcare providers and hospital facilities offering Medicare-based reimbursement rates, which is one of the lowest prices your employees find. This approach ensures greater cost predictability, significant savings, and streamlined access to quality healthcare making it simpler and more efficient for everyone.

Why Partner with Health in Tech for Your Level-Funded Benefits?

Total Control in Healthcare Plan Design

During the plan design process, you have total control to customize coverage levels, deductibles, plan types, and more—aligning the plan with your business’s risk tolerance while offering affordable yet comprehensive benefits to your employees.

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time savings

Time Savings by Quoting and Binding Plans On Your Own

Generate bindable health plan quotes effortlessly with eDIYBS in minutes, not weeks, enabling faster health plan implementation.

Cost Control for Your Business

With full transparency into plan structure and performance, you only pay for what you need - no hidden costs. Plus, any unused health plan funds remain with your business, providing both flexibility and cost efficiency.

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more savings

Cost Savings for Your Employees

Employees can enjoy access to low-cost providers with just a simple copay, and in some cases, providers even waive deductibles—eliminating the burden of overwhelming out-of-pocket expenses.

Employee Satisfaction*

With the convenience of a single HI Card,* your employees can enjoy a more streamlined and faster healthcare experience.

employee satisfaction
streamlined transaction platform; self funded plan

Streamlined Transparency

Gain 24/7 access to your plan information, pricing, claims, and plan performance, empowering you to make informed decisions, so you can optimize your plan to manage costs effectively while addressing the needs of your employees.

What Clients Say About Health in Tech

“We’re an innovation forward TPA looking for a self-funded solution from a company that matched our desire to make things simple for brokers. Health In Tech not only delivered the solution but helped us evolve our service beyond our clients expectations. We’ll be a client for life.”

– Sterling Worrall, Relationship Manager, Blackhawk Claims Service

Power Up Your Level-Funded or Self-Insured Benefits and Save Costs

Take the Next Step Toward Affordable Quality Health Benefits.

(*) Required Field

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Frequently Asked Questions

*HI Card and HI Performance Networks are under re-development. Some features are not available till end of 2025.