Level Funded

Integrated (1)

Predictable Costs, Self‑Funding Advantages

We calibrate funding levels, align the stop‑loss terms, and coordinate all moving parts so your plan is stable from day one—and adaptable as your needs change.

Level‑funded plans unlock the advantages of self‑funding—transparency, flexibility, and potential savings—while keeping monthly costs completely predictable. Employers pay a fixed, level monthly amount that bundles expected claims, administration, and stop‑loss protection into one stable payment. The result? You keep control over your healthcare dollars without the financial whiplash of fully self‑funded arrangements.

PAI builds these plans with small to mid‑size employers in mind. We calibrate funding levels based on your workforce, structure the stop‑loss to shield you from high‑dollar claims, and ensure your plan stays both high‑value and low‑volatility. With PAI, level‑funding becomes a strategic financial advantage—not a leap into the unknown.

Transparent Insights, Smarter Decisions

Executive‑ready dashboards, benchmark views, and practical recommendations that inform benefits design, wellness incentives, and network strategy—so decisions are faster, smarter, and defensible.

Level‑funding works best when your data works for you. That’s where PAI makes the difference. Throughout the year, we turn complex claims data into clear, actionable insight so you can see exactly where your healthcare dollars are going and where opportunities for improvement exist. You gain transparency into utilization trends, cost drivers, member behavior, and opportunities to guide employees toward higher‑value care.


And at year‑end, the value becomes even more tangible. If your group’s actual claims come in lower than expected, you may earn a refund from your claims fund—money that would be locked away forever in a fully insured plan. When claims run hot, PAI’s analytics help you respond quickly with plan design adjustments, wellness initiatives, and smarter care‑navigation strategies. With PAI, your data isn’t just informational—it’s transformational.

Women analyzing data on computer

Level Funded Plan Options

Our level‑funded plan options combine innovative care models, cost‑saving strategies, and simplified access to benefits to give employers a smarter, more efficient way to offer healthcare.

Virtual Health

Patients gain a real relationship with their physician, with full access for as much as 90% of all medical needs.

MedWatch Concierge

MedWatch uses Value-Based-Payments (VBP) for all healthcare services performed in a medical facility.

Proactive Total Care

Proactive MD and PAI-provided approach to a direct primary care health plan.

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A Scalable Benefits Solution Built for Growing Employers

A plan that’s easy to budget, easy to explain, and easy to evolve—engineered by PAI to perform for your workforce today and better for your bottom line tomorrow.

Rising fully insured premiums can suffocate growing organizations. Level‑funding creates a middle path: a model that delivers budget stability, plan flexibility, and true visibility into your healthcare spend. It gives businesses the freedom to design benefits that reflect their culture and workforce—without accepting rigid carrier templates or community‑rated costs.

PAI works alongside you to make level‑funding successful from day one. We evaluate your organization’s structure, demographics, risk profile, long‑term goals, and budget—then engineer a plan that aligns with them all. And as your business evolves, PAI adjusts your plan strategy, cost‑sharing, and care‑management programs so your benefits continue working for you and your people.

With PAI, you get a benefits solution that’s easy to budget, easy to manage, and easy to adapt, all while delivering the transparency and cost control that today’s employers expect.