UnitedHealthcare Level Funded

Managing health plan costs is important, but so is offering health benefits your employees actually like. UnitedHealthcare is committed to helping make health care simpler, more affordable and supportive. With understandable benefits, clearer choices and trusted support accessible when and how people want it. UnitedHealthcare Level Funded health plans are designed to give you a different way to balance the cost savings you’re looking for with benefits employees want.

Designed for savings, stability and simplicity

Providing surplus refund potential

Level Funded plans are based on the medical and pharmacy claims of your plan participants, so if they're lower than expected, your health plan may get a surplus refund at year-end.1

Keeping costs predictable

Your costs don’t change month to month. Level Funded plans lock in a fixed monthly payment for the plan year, regardless of your actual plan participant medical and pharmacy claims. Stop loss insurance protects your business from unexpected high claims.

Simplifying ACA compliance

Because these plans are a type of self-funded plan, your business may be exempt from many state premium taxes and Affordable Care Act (ACA) regulations, including adjusted community rating.

Find the right fit for your business

Customize your benefits package from dozens of plan designs, networks and specialty options.

  • Health Savings Account (HSA), Preferred Provider Organization (PPO) and Exclusive Provider Organization (EPO) plan portfolios
  • Variety of network options, including the nation's largest proprietary network of 1.6M physicians and health care professionals and 6,200+ hospitals2
  • Wellness programs and services designed to help plan participants get healthier at no additional cost
  • Up-to-date reporting on your group’s claims costs, network utilization and more, as well as digital tools to help simplify plan management
  • Opportunity to save when you bundle a UnitedHealthcare specialty plan, like vision and dental with your UnitedHealthcare medical plan

Understanding Level funded group health plans

Level funded plans are designed to offer employers predictability with the potential of upfront savings and a surplus refund.

Frequently asked questions

Get a quote and receive more information from a UnitedHealthcare representative

Compare your current coverage with a plan from UnitedHealthcare and see which is the better fit for your business.

Do you have fewer than 50 employees?

Compare health plans available in your area for your small business and ask for a quote.