"With a self-funded plan: [1] You pay for actual claims. In a fully-insured plan, your costs are fixed regardless of your employees' claim history, and any end-of-plan-year excess remains with the insurer instead of your company. [2] You have access to data to make informed decisions.... [3] You save on state premium taxes and avoid state-mandated benefits. [4] You can customize your benefit plan design to meet employee needs via quality providers and programs while controlling, and even reducing, costs for both you AND your employees."

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