Blue Funding
A level-funded option for eligible groups, combining a fixed monthly amount with stop-loss protection.
How It Works
A structured, budget-friendly middle ground
Fixed Monthly Funded Amount
Your group pays a fixed monthly amount, giving you budget predictability similar to a fully insured plan.
Stop-Loss Protection
Claims risk is underwritten via stop-loss. Individual stop-loss deductibles typically run $30,000–$50,000 per claimant, per year, and an aggregate stop-loss caps your group's total annual exposure.
Year-End Settlement
If claims run under the funded amount, a year-end settlement can return surplus — typically 50–80% of the unused balance — back to the employer.
Underwritten, Not Guaranteed
Eligibility and terms are subject to current underwriting rules and can change. Confirm specifics at quote time.
Level-funded arrangements like Blue Funding are not fully insured plans, so they aren't directly subject to the merged-market rate filings discussed on Rate Trends & Market Reality the same way BCBS Massachusetts and other fully insured carriers are — though your group's own claims experience still drives its ultimate cost. A local advisor can walk through how that distinction plays out for your renewal.
Blue Funding is not an Association Health Plan, pooled-risk program, or insurance product on its own — it is a funding structure offered in connection with fully insured coverage. Suitability depends on your group's size, claims history, and underwriting results.
Wondering if your group qualifies?
A local advisor can check your group size and current renewal against Blue Funding's eligibility window.