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Optimal Models to Fund Your Employee Benefits: The Pros & Cons of Five Options

By InterLutions
August 3, 2023

Purchasing health insurance for employees varies significantly based on a credit union’s size and risk appetite. This white paper identifies five different funding models credit unions should consider – fully-insured, self-funded, level-funded, Association Health Plans (AHPs) or insurance captives – and outlines the benefits and potential challenges of each.

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About InterLutions

InterLutions is a wholly owned Credit Union Service Organization (CUSO) founded in 2015 to provide innovative solutions to the credit union industry and movement.

Its flagship product, I-Care, provides enhanced medical insurance benefits to credit union employees at lower costs. By pooling employees from many credit unions, volume helps reduce claims risk and volatility of premiums, lowering costs for employees and credit unions. Lower costs and multiple plan options give credit union employees the benefits they deserve.