Unverified50% confidenceFactExact time
Level-funded plans in the United States are generally subject to state-level insurance regulations, but due to the inclusion of stop-loss reinsurance mechanisms, certain cost-sharing structures also fall under the federal Employee Retirement Income Security Act (ERISA).
1
Sources
50%
Confidence
Long-term
Relevance
9/18/2026
First Seen
Sources
Related Entities
Related Claims
UnverifiedA U.S. insurance plan typically involves multiple intertwined concepts such as deductibles, copays, coinsurance, and out-of-pocket maximums.71% similarUnverified美国各州保险监管体系高度碎片化，由各州保险局分别监管，各州要求上报的理赔数据口径差异显著64% similarUnverifiedThe level-funded model sits between traditional fully-insured and self-funded arrangements, where businesses pay a fixed monthly fee covering estimated claims costs, administrative fees, and stop-loss insurance premiums, and can recoup a portion of any surplus at year-end if actual claims fall below estimates.64% similarUnverifiedStates such as California and Texas have introduced mandatory energy storage quota policies.63% similarUnverifiedThe individual health reimbursement arrangement (HRA) model allows employers to set a fixed budget, with employees independently selecting their own insurance plans; amounts exceeding the budget are paid out of pocket, while any savings are retained by the employee.61% similar
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