This insurance model is by far, my favorite. It combines the “Fully Insured” and “Self Funded” insurance models and provides a way for healthy companies to find lower rates than the Affordable Care Act plans. Employers are able to obtain monthly claims data from their insurance carrier to see how much the carrier has paid in claims versus how much they have paid in premium. Also, if the company has a low claims year, they have the opportunity to get money back at the end of the plan year. Many companies have experienced large savings by enrolling in this insurance model.