Coming soon: New customizable plan options for Level Funded 51+ groups

Coming soon: customizable level funded 51+ plans with expanded benefit buy-ups, pricing, and enhanced renewal transparency.

June 9, 2026

More choice. More control. More transparency.

That’s what’s coming to Level Funded 51+ plans — and expanding even further for 100+ groups — as we roll out a broader, more customizable benefit and pricing experience, designed directly from broker and plan sponsor feedback.

What’s already available for 100+ groups

Groups with 100+ lives already have access to core plan design modifications, including:

Medical plan design options
- Deductibles
- Copays
- Coinsurance
- Pharmacy customization

These capabilities remain unchanged and continue to support tailored plan strategies for larger plan sponsors. For Jan. 1, 2027, these features will be available for 51–99 groups.

What’s new for 51+ and 100+ groups

We’re now expanding modified plan design options by including:

Expanded pharmacy copayment structures
Adjustable surplus share percentages
Rate component variability
Ability to customize visit limits

Expanded benefit buy-ups to meet evolving needs

In addition to core plan modifications, new optional benefit buy-ups¹ will be available to both 51–99 and 100+ groups,² including:

Infertility coverage³
Obesity – Weight loss surgery without weight loss drug coverage
Obesity – Weight loss surgery with weight-loss drug coverage
UHC Rewards⁴ buy up to Premium Rewards⁵

Note: UHC Rewards embedded program will remain the same for groups below 51+ lives as it is included today.

These buy-ups allow plan sponsors to respond to emerging priorities while keeping benefits competitive.

Key dates to know

To help brokers and plan sponsors plan ahead, the rollout will follow a phased approach:

100+ groups
- Quote-ready: July 1, 2026, for Jan. 1, 2027, case effective dates

51–99 groups
- Quote-ready: Sept. 1, 2026, for Jan. 1, 2027, case effective dates

This timeline ensures ample runway to explore plan options, model costs, and prepare for implementation.

Renewals reimagined with transparency built in

Responding directly to feedback requesting greater visibility into how rates are developed, October 2026 renewals will introduce:

Expanded renewal exhibits to clearly show how and why renewal increases were developed, strengthening broker renewal discussions and competitiveness
Automated rate development
Clearer insight into the drivers behind renewal pricing, highlighting claims experience, large claimants and key drivers of change

This enhancement delivers a more transparent, consistent renewal experience — helping plan sponsors better understand their costs.

What this means for you

This upcoming Level Funded 51+ benefit modification expansion represents more than new options — it’s a meaningful shift toward customization, clarity and confidence. Whether designing plans, quoting new business or navigating renewals, brokers and plan sponsors will soon have tools that better reflect today’s benefit landscape.

More details coming soon. Get ready to experience Level Funded — on your terms.

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Footnotes

Surest Level Funded plans out of scope.
Benefit buy-ups not available to 51-99 groups in California.
Excluding IL, MA, NY, and RI where infertility is embedded. Option of either $30,000 lifetime max benefit or unlimited benefit.
UHC Rewards program remains unchanged for 2-50 group sizes. The 51+ group sizes will have UHC Rewards Core program with the option to buy up to the UHC Rewards Premium program. Existing 51+ group sizes will continue on the current UHC Rewards program with the option to make a change at renewal.
CA groups 5-100 and WI groups within the Metropolitan Milwaukee Association of Commerce have UHC Rewards Premium.

Disclaimers

Not For Consumer Use

Administrative services provided by United HealthCare Services, Inc. or their affiliates, and UnitedHealthcare Service LLC in NY. Stop-loss insurance is underwritten by UnitedHealthcare Insurance Company or their affiliates, including UnitedHealthcare Life Insurance Company in NJ, and UnitedHealthcare Insurance Company of New York in NY.

Administrative services provided by Oxford Health Plans LLC. Stop-loss insurance is underwritten by UnitedHealthcare Insurance Company or their affiliates, including UnitedHealthcare Life Insurance Company in NJ and UnitedHealthcare Insurance Company of New York in NY.