To your team it looks like normal insurance: a national PPO network, ID cards, an app, a care team that picks up the phone. Behind the curtain it's priced off your actual roster instead of a carrier's giant risk pool. Healthy year? Money can come back. Rough year? Stop-loss coverage caps it.
Your payment stays level all year. That's the name. The difference from fully insured: when your team stays healthy, you're not donating the difference to the carrier's shareholders.
Most of your payment pre-funds your team's expected claims for the year.
Insurance on the insurance. If claims blow past expectations, the stop-loss carrier eats the overage, not you.
Network access, claims processing, member support. The boring stuff, handled.
If your team's claims come in under the fund, a portion can return to you. Try getting that from a fully insured carrier.
Starts at 5 employees (varies by state) and scales past 200. Small companies get a real plan, not a consolation prize.
A firm quote priced off your real roster in minutes, locked for 90 days. No months-long underwriting shuffle. We handle the paperwork.
A team spread across states can still share one plan.
A dedicated care team (rated 4.5 stars by members), 24/7 virtual care, and a real app for ID cards and claims.
Integrations with 100+ payroll and HR systems, so onboarding doesn't become your HR person's second job.
Venture-backed and growing ($134M Series B, December 2025). Not a startup experiment with your team's coverage.
A younger, healthier group often quotes well below its fully insured renewal. An older group, or one with heavy ongoing claims, may quote worse than staying put, and for those teams a fully insured plan's guaranteed pricing is genuinely the better tool. There's exactly one way to know which side you're on: run the quote. It's firm, it's fast, and we handle the legwork after one short call.
Not sure level-funded is even your move? The quiz settles it in about five minutes. Already know? Book a call and we take it from there, firm quote included.
Get your company's Benefits DNALevel-funded plans are self-funded group health plans with stop-loss protection, administered with licensed carrier partners. Availability, minimum group size, and final rates vary by state and by roster; quotes are based on your member-level census and subject to carrier underwriting terms. Carrier capabilities described here reflect Angle Health's published materials as of mid-2026. Surplus return potential depends on plan design and your group's actual claims; nothing here guarantees a refund. This page is education, not legal, tax, or insurance advice.
