Funding models
MEWA (Multiple Employer Welfare Arrangement)
A health plan covering employees of two or more unrelated employers. Heavily regulated by both ERISA and state insurance law. MEWAs have a checkered history due to past failures and fraud cases; modern MEWAs operate under stricter oversight.Last reviewed: · TMRW Benefits is a benefits brokerage, not a tax or legal advisor. Consult a CPA or attorney for situation-specific guidance.
More in Funding models
Fully-insured plan
Carrier takes claims risk. Fixed premium.
Self-funded (self-insured) plan
Employer pays claims directly. Stop-loss limits risk.
Level-funded plan
Hybrid self-funded with stop-loss. Year-end refund possible.
Stop-loss insurance
Caps employer exposure on catastrophic claims.
Specific stop-loss
Caps individual-claimant exposure.
Aggregate stop-loss
Caps total annual group claims.
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