Rising Health Insurance Renewals: Explore a Smarter Level-Funded Plan Option

Oct 7, 2025 | Dateline

As renewal season approaches, many business owners are finding themselves faced with double-digit premium increases from traditional health insurance carriers. These rising costs make it increasingly difficult to provide competitive benefits while maintaining control over expenses.

At Benefit Solutions Northwest, we understand the challenges employers face in balancing affordability and quality coverage. That’s why we offer access to an Association Level-Funded Health Plan—a smarter alternative designed to give employers more control, flexibility, and transparency in their health benefit strategy.

Why More Employers Are Choosing Level-Funded Plans

Cost Control:
Level-funded plans provide more predictable premiums and the potential for significant savings compared to traditional fully insured options.

Flexibility:
Plans can be tailored to fit the unique needs of your workforce, ensuring the right balance of coverage and affordability.

Transparency:
Gain clearer insight into where your health care dollars are going—allowing you to make informed decisions about future benefits.

Buying Power:
By joining forces with other businesses through a collective membership base, employers can access stronger rates and enhanced benefit options.

Year-End Refund Potential:
If claims are lower than expected, your business may be eligible for a refund of unused claims dollars—a benefit that traditional plans don’t offer.

With traditional carriers continuing to raise rates year after year, now is the perfect time to explore whether a level-funded approach is right for your organization.


Ready to Take Control of Your Health Plan Costs?

Contact Benefit Solutions Northwest to learn more or request a customized proposal:
📞 253-448-3112
📧 eric@benefitsolutionsnw.com