Health Insurance Self-Funding Across America

This clip set off quite a stir during my training session the other week… It describes varying levels of employer self-funding for their health insurance across the United States.

Some states have LOW levels of self-funding… especially for employers with 100-1,000 employees:
–California
–New York
–Massachusetts
–Maryland

Different states have HIGH levels of self-funding:
–Ohio
–Indiana
–Pennsylvania

Possible reason for these difference across states is that the low self-funding states tend to have high-margin businesses and are NOT as focused on being cost-effective with their health benefits. Conversely, high self-funding states have low-margin businesses that are focused on being cost-effective with their health benefits.

Sources:
https://www.ebri.org/docs/default-source/ebri-issue-brief/ebri_ib_540_selfinsurance-30sep21.pdf

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