Today’s group health insurance costs represent the largest expense that most companies face, second to payroll.

These costs have doubled in 10 years and show no signs of slowing. The upward trend is quickly becoming unsustainable and, for many, is seen as an obstacle to company growth.

With most fully insured group benefits plans, employers don’t have much control over plan design, nor do they have insight into their claims data, making cost management – or even cost containment – a challenge. The need to proactively and strategically manage health plans as part of a broader risk management program has become a top priority.

Self-funded plans offer employers a potentially cost-saving alternative. With the ability to analyze claims data that this option provides, employers can make adjustments to plan design and eliminate inefficiencies, giving them more control over the numbers. Greater plan and data transparency enables forecasting, modeling and opportunities for customization, so employers can get a long-term view of their program.

If you’re an employer with 100+ employees, it may make sense to take a closer look at how self-funding your group health plan could contribute to a healthier bottom line. Read more about self-funded group plans by downloading our whitepaper.

Download M&T Insurance Agency, Inc Risk Management Spotlight – Self Funded Group Plans (PDF)


Group Benefits: Benefit from tailored solutions designed to help meet the needs of both your organization and your employees. Learn more about our solutions. >



Insurance Products are NOT Deposits; NOT FDIC Insured; NOT insured by nor an obligation of Any Federal Government Agency; NOT Guaranteed or Underwritten by the Bank; Not a Condition to the Provision or Terms of any Banking Service or Activity; and May Go Down in Value.

Insurance products are offered by M&T Insurance Agency, Inc., not by M&T Bank. Insurance policies are obligations of the insurers that issue the policies. M&T Insurance Agency, Inc. is a subsidiary of M&T Bank.

The content of this article is for informational purposes only. It is not designed or intended to provide financial, tax, legal, investment accounting or other professional advice since such advice always required consideration of individual circumstances. Please consult with the professionals of your choice to discuss your situation.

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