Take the upside back from your carrier.
Self-funded and level-funded plans return the savings to the employer instead of the insurer. MBA TPA does the operational work so you can run the plan without surprises.
Recapture the upside
Surplus stays with you instead of the carrier — period.
Stop-loss protected
Catastrophic risk is capped through Benefit Re or your carrier.
Claims-level visibility
Real reporting — not a black-box loss-ratio email.
Plan structures
Three structures, plain English. Where you sit on this spectrum determines how much of the upside the carrier keeps.
Fully insured / fully-funded
The carrier prices the risk and keeps the upside. Predictable monthly premium; no claims visibility.
- Single fixed premium
- No surplus refunds
- Limited reporting
Level-funded
A blended structure — predictable monthly cost with a path to claims-based savings.
- Predictable cash flow
- Stop-loss included
- Claims data unlocked
Self-funded
You fund claims; we administer. Stop-loss protects against catastrophic risk. Your savings stay yours.
- Direct claims savings
- Custom plan design
- Full reporting & analytics
Savings estimator
A directional estimate of annual savings from moving to a self-funded structure with MBA TPA administration. For a precise quote, our team will model your renewal in detail.
What's included
Everything you need to run the plan.
Implementation
Live in 30–45 days. Most groups go live within 30–45 days of a signed agreement. When needed, we can initiate coverage in days.
Sign agreement
Counter-signed broker-of-record letter and admin services agreement.
Configure & onboard
Eligibility file, plan documents, ID card production, member comms.
Go live
Claims, eligibility, billing and member services run from day one.
Ready to model your renewal?
Send us your headcount and current premium. We'll come back with a precise savings model and a clear path to go-live.