Funding Analysis
MPR
Fully-Insured
Hybrid
ASO/Captive
Insured Status
Self-Funded
Insured
Insured or Self-
Funded
Self-Funded
Cost Transparency
None
Neutral
Good
Exceptional
Claims Analytics
None
Neutral
Exceptional
Exceptional
Cost
Pooled
Pooled/Experience Experience/Pooled Experience
Non-Discrimination
Rules
Apply
Transitional Relief Applies/Transition
al Relief
Apply
Run Out Claims
Client pays, MPR
Administers
Paid by insured
Client pays and/or
insured
pays/administers
Client pays and
TPA administers
Run Out
Administration
Expense
90 days of
administrative fees
N/A
N/A or Client pays
90 days of
administrative fees
90 days of
administrative fees
Retiree Coverage
Yes
Maybe
Maybe
Maybe
Non-W-2 Board
Member Coverage
Yes
Maybe
Maybe
Maybe
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