More and more employers are implementing self-funded health plans. A recent Kaiser Family Foundation Survey of Employer Health Benefits noted a "meaningful increase in the share of workers in self-funded plans" in 2020, with sixty-seven percent of covered workers enrolled in such plans. That number is up six percent from the previous year.

"Employers who choose to implement a self-funded health plan are attracted to the unique cost management opportunities when compared to premiums, taxes, profit margins and other requirements that apply to fully insured plans," wrote Christine Cooper, CEO of aequum LLC, in an op-ed for BenefitsPro. "All industry professionals expect the trend towards self-insurance will continue."

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Richard Binder

Richard Binder, based in New York, is part of the social media team at ALM. He is also a 2014 recipient of the ASPBE Award for Excellence in the Humorous/Fun Department.