Group Medical
P: 800-231-1559
F: 800-231-4158

Full Contact List

Self-Funded and Stop-Loss Plans

Since self-funded plans are not impacted by all of the ACA provisions, small businesses that have not traditionally offered self-funded plans are now considering this approach.

ACA provisions that DO NOT impact self-funded plans can = Cost Savings

Self-funded plans are not subject to the ACA rules regarding:
  • Providing Essential Health Benefits
  • Modified Community Rating
  • The Health Insurance Industry Fee
Employers with self-funded plans and stop-loss insurance can gain a number of benefits:
  • Flexibility to tailor benefits to meet employee's needs
  • Plan costs may be less than a fully insured plan
  • Employers have more control over health care expenditures
  • If health care costs are low in a particular plan year, the employer—not the insurer—may keep the savings
  • Employers pay for the cost of their employees' care; a set amount each month
  • Stop-loss insurance protects against higher, unexpected costs

Self-funded plans are administered by Starmark and stop-loss insurance is provided by Trustmark Life Insurance Company.


EffectiveCarrierNew Business DeadlineRenewal Deadline  Note(s)
08/01/2018Trustmark/Starmark (Group)07/10/201807/10/2018  
09/01/2018Trustmark/Starmark (Group)08/10/201808/10/2018  
10/01/2018Trustmark/Starmark (Group)09/10/201809/10/2018  
11/01/2018Trustmark/Starmark (Group)10/10/201810/10/2018  
12/01/2018Trustmark/Starmark (Group)11/10/201811/10/2018  


CBIZ M.T.Donahoe & Associates, LLC 9755 Patuxent Woods Drive, Suite 250, Columbia, MD 21046 | 800-231-1559 | www.MTDA.com

MTDA Employee Page