Status quo
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
For employers
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.
Bridge
Level-funded
A blended structure — predictable monthly cost with a path to claims-based savings.
- Predictable cash flow
- Stop-loss included
- Claims data unlocked
Recommended Best fit
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
Interactive tool
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.
- Based on your headcount and per-employee monthly cost
- Adjusts for current funding structure
- Accounts for stop-loss positioning
Estimated annual savings
~14% of spend
$129,600 – $233,280
Based on annual benefit spend of $1,296,000. Directional only.
What's included
Everything you need to run the plan.
Claims processing & adjudication
Eligibility management
ID cards & member portal
Member services & EOB delivery
Single-source billing
COBRA administration
ACA & ERISA compliance (1094/1095)
Network access
Dedicated account contact
Reporting & analytics
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.
01
Week 0
Sign agreement
Counter-signed broker-of-record letter and admin services agreement.
02
Weeks 1–4
Configure & onboard
Eligibility file, plan documents, ID card production, member comms.
03
Weeks 4–6
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.