Level Funded Solutions

Use the nation’s first level funded panel to access dozens of independent solutions through a singular RFP experience

The Average Fully Insured Employer has a Higher Health Insurance Cost Trend Compared to Its Level Funded Peers.

Switching from a Fully Insured Health Plan to a Level Funded Plan Can Save You 20% on Total Healthcare Spend in the First Year.

Play it SAFE with Pre-Vetted Carriers

ClearPoint Health is home to the nation’s first level funded carrier panel. We employ our proprietary SAFE methodology to rigorously evaluate all level funded products for Sustainability, Accountability, Fairness, and Efficiency. This structured framework not only aligns our partner selections with our strategic objectives, it ensures we effectively meet the diverse needs of benefit advisors and their clients.

Key Features of our Level Funded Solutions

Save Time & Precious Resources

Marketing RFPs to independent level funded products can be resource intensive, only to be presented with uncompetitive options after spending hours inputting applications – simplify this experience with a singular RFP and select all the options you’d like to quote.

Bundled & Unbundled Solutions

Take advantage of the collective purchasing power of our captive community, saving an average of 15% on solutions while getting market-leading terms and conditions. This collaborative strategy not only results in substantial cost savings but also guarantees access to top-tier risk management solutions customized to meet your unique needs.

Long-term Stability

Select from an array of level funded partners, with some offering fully integrated bundles mirroring fully insured product simplicity or explore unbundled solutions allowing for modular configuration of TPA, Network, PBM and others, mimicking a self-funding environment.

Transparency & Control

Gain detailed insights into healthcare spending and claim trends, which enables better decision-making and plan adjustments. Data fuels actions to reduce variable costs for employers and yielding confidence in taking control of costs.

Embedded Risk Management

Level funded solutions act as a stepping stone for employers to experience self-funding with guardrails – this reduced risk comes with reduced savings opportunities but can still be valuable as a transitional vehicle to self-funding.

Varying Claims Surplus & Plan Designs

Choose from dozens of product options with varying claims surplus amounts for maximum configurability and optionality.

Fixed v. Variable Costs

Choose from different products that feature higher and lower fixed cost structures, allowing for manageable and controllable employer risk exposure.

Multi-year Strategy for Transitional Groups

Transition to a self-funded plan from a fully insured plan or transition from a level funded plan to a captive with ease. ClearPoint meets you where you are for a seamless journey to better benefits.

Choose Level Funded products that feature ClearRx or use an unbundled configuration to place your preferred PBM.

Access Transparent PBMs

Explore how employers can better manage variable costs with pre-vetted SAFE cost management vendors and solutions.

Manage Avoidable Costs

Feature your agency’s own white-labeled level funded carrier panel powered by our Center of Excellence (COE).

Launch Your COE

Access More Independent & Transparent Carriers

All while saving precious time and resources, all with a single RFP!