Traditionally a funding option preferred by large employers, self-insured health plans are becoming more and more common for small- and medium-sized companies and firms as well. According to a Kaiser Family Foundation study, 60% of American workers covered by employer-sponsored health insurance are in self-funded medical plans.

Self-insurance has the potential to make available lower premiums and improved cash flow, but of course it also opens up employers to greater financial risk. To that end, the Guardian recently unveiled its Stop Loss insurance product for self-funded employers.

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