Delivering amazing benefits that attract and retain employees without going broke in the process is a challenge, especially if you are one of America’s 30 million small and mid-sized businesses. Why is that?

According to the National Conference of State Legislatures, those small and mid-sized businesses pay (on average) nearly 20% more than their larger counterparts. Eighty-two percent of employers with 500 or more employees finance their healthcare plans through an alternate financing method known as “partial self-funding” (U.S. Dept. of Health & Human Services).

But America’s smaller employers have been catching up. There has been a 44% increase in the adoption of partially self-funded plans between 2000 and 2010 alone, but this has been mainly in mid-sized groups of 50 or more. Smaller companies have been left out of this funding arrangement, wondering what happens to the money they send to their insurance carrier when their group’s claims are less than the total premium.

For the past 20 years, Dave Toeben, President of Insight Insurance, headquartered in Franklin, TN, has been helping his clients find the best benefits available. For the past 5 years, he has helped clients enjoy many of the benefits that, until now, had only been achieved by their bigger business brethren by using a special self-insurance technique known as “Level Premium”.

In most cases, employers pay a lower premium, have lower annual increases, and they get a check at the end of the year if their claims are less than the premium they have paid in throughout the year. Dave says, “It is amazing to watch employers gain control of their plans in a way that provides better benefits for their employees, and that does so at lower costs”. They no longer wonder where that dollar of their premium goes: It pays their claims and expenses, or it comes back to them. “That’s the kind of win-win we want for our clients,” says Toeben.

Our first webinar was so well attended that we are hosting another free webinar on September 22nd  from 9:00 – 9:30 AM. To register, go to