Self-funding gives an employer far greater control over the design and cost of their health care benefit plan. With our plans the employer assumes no risk, as we either provide full indemnification with our HealthWorX program, or we help secure Stop Loss or excess loss insurance to reimburse major medical plans for claims that exceed anticipated levels. When claim costs are below expected levels, the savings remain with the plan rather than an insurance carrier. Those savings can be applied to future plan years or wellness benefits for your employees.