01.Core Concepts

Many employers self-insure part or all of the benefits provided to their employees Self-insurance means the employer pays part or all of the cost of providing health insurance to the employees Plans are usually established with stop-loss insurance whereby a commercial insurer will pay claims that exceed a certain limit Some employers have an administrative services only (ASO) contract with a commercial insurer Self-insured plans are exempt from state laws that require insured plans to offer certain state-mandated benefits ‹#›