Fully-funded health plans, built to lower your cost without lowering your spend.
Recruit, Retain and Reward™ employees with quality benefits at costs your business will benefit from.
What is fully-funded?
Self-funded economics. Risk removed.
A fully-funded health plan gives employers the cost advantages of self-insurance with one fixed monthly payment, embedded stop-loss protection, and no end-of-year reconciliation.
Predictable
Fixed monthly premium. No mid-year assessments. Budget the year with one number.
Protected
Stop-loss coverage above the premium threshold — backed by Benefit Re, NAIC #17459.
Profitable
Qualified employers typically save 5%-15% compared to current carrier premiums.
Savings
Substantial savings for qualifying employer groups.
Qualifying groups see lower total premium than current carrier.
Interactive tool
How much could your business save?
Run the Savings Estimator and see an estimated annual range in 60 seconds — no commitment.
- Takes 60 seconds, no commitment
- See your range instantly
- Routed to a senior advisor within 24 hours
Two paths
See if your business qualifies.
First Choice plans are sold through appointed brokers. If you have a broker, share this page. If you don't, we'll route you to one who knows our product.
- No PHI is collected on this form.
- 30 – 45 day implementation typical.
- Employees experience continuity — same card, same network.
Want a sense of the savings first?
The Savings Estimator pre-qualifies your group in 60 seconds. No commitment.