Self-funding gives you more control over healthcare spending — so you can lower costs and reinvest in your employees.
Need help with your account? Email us or call 1-888-659-1859.
Know exactly where your payments are going with self-funding
Claims fund
Set aside funds to pay for the services your employees use with potential for savings when spending is lower than expected.
Stop loss protection
Stop loss coverage helps limit your risk by protecting you from high, unexpected medical costs.
Costs to administer the plan
Administrative costs are clearly outlined, so you understand what the operating costs are.
Outcomes for your organization
Control healthcare spending
Find a plan that fits your budget and risk tolerance, with ways to save — such as smarter care options and better pharmacy management.
Protect your budget and stay compliant
Built-in stop loss coverage helps guard against large, unexpected claims, while support for evolving regulations helps you stay compliant and reduce administrative burden.
Attract and retain employees
Provide modern benefits with virtual care and support tools that improve the employee experience without driving up costs.
Built for your business, no matter the size
Benefits solutions that scale with your business, with the guidance and support to match.
For growing businesses (2 to 50 employees)
- Set up a simple, self-funded plan designed to fit your budget
- Get hands-on guidance for onboarding, employee communication, compliance and billing
For established companies (51+ employees)
- Design a self-funded plan that aligns with your budget, risk tolerance and long-term goals
- Get clear reporting and regular insights to help you manage costs and adjust your strategy as your business evolves
- Stop loss-only options are available for larger groups
We’re here to help
Nationwide and your benefits professional will guide you through your options.
Or call 1-877-877-0245 for answers to questions.
Additional benefits for your employees’ well-being
Deliver benefits that fit your employees’ lives, offering more choice, value and support.
- Dental
- Vision
- Group life and AD&D
- Supplemental health
- Hospital indemnity
- Limited medical
- Pet
- Accident
- Critical illness
Frequently asked questions
Not necessarily. Self-funding often costs less than a fully insured plan because employers pay only for the healthcare services their group uses. Level-funded options can offer predictable monthly payments with the potential for a refund if claims are lower than expected.1
When you work with us, your Self-Funded Program comes with built-in stop loss insurance. We also offer stand-alone stop loss coverage for larger employers. Stop loss insurance helps protect the business if claims are higher than expected by limiting how much you have to pay for medical expenses for your employees. Contact us to find out how our offerings can help protect your bottom line.
Yes, you can switch from fully insured to self-funded or level-funded at any time during the year. To learn whether you can save by switching to Nationwide midyear, contact our Sales team to learn more.
We’ve designed the program for small and midsize businesses, and it can be quickly implemented depending on your needs. We also provide the support you need to administer the plan and meet compliance requirements. Reach out to our Sales team to find out more.
[1] The employer refund is subject to a Terminal Liability Coverage fee.
Learn more about our self-funded offerings.
Submit your information and we’ll respond within 2 business days, or you can reach us sooner by calling 1-877-877-0245.
Already a client?
Log in to the appropriate portal to manage your health plan.
Employer (Allied)
Manage coverage, claims, plan documents and reporting for your plan.
Employer (Meritain)
Manage coverage, claims, plan documents and reporting for your plan.
Member (Allied)
Check claims, coverage, balances and plan details.
Member (Meritain)
Check claims, coverage, balances and plan details.
The Self-Funded Program through Nationwide provides tools for employers owning small to midsize businesses to establish a self-funded health benefit plan for their employees. The benefit plan is established by the employer and is not an insurance product. Stop loss insurance policies are underwritten or reinsured by Nationwide Life and Benefits Insurance Company; refer to nationwide.com/stoplossdisclaimer for details. Product availability and specific provisions may vary by state.
Nationwide no longer writes new fully insured plans.
To access certificates and forms for existing clients, visit our fully insured documents page.