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The Foxhound Group helps businesses break free from traditional insurance and take control of their healthcare costs through self-funded and level-funded benefit strategies.
Just like the breed we’re named for , we are relentless, sharp, and tireless. The Foxhound Group pursues smarter health insurance solutions for businesses that are tired of paying more every year and getting less in return.
We specialize in self-funded and level-funded health plans which are the fastest-growing alternatives to traditional fully insured coverage. Whether you’re a small business exploring self-funding for the first time or a mid-sized company ready to move beyond the ACA marketplace, we will guide you through every step, including optimizing your team’s wellness to improve your overall cost.
Under a fully insured plan, the carrier keeps every dollar you don't use. Rates are driven by community pools, not your actual employees. Year after year, premiums rise — regardless of how healthy your team is. 65% of workers were already in a self-funded plan as of 2023, and 38% of small firms with 3–199 workers were in a level-funded plan. The shift is underway. The Foxhound Group helps you get ahead of it.
Level funding is the smart middle ground — it blends the cost stability of a fully insured plan with the customization and savings of a self-funded one. You pay a fixed monthly amount, and if your group uses fewer claims than expected, you get money back.
Your monthly payment covers three things:
Claims funding: your projected medical costs
Administration fees: TPA and plan management
Stop-loss insurance: your protection against large, unexpected claims
Unlike ACA plans with community-rated pricing, level-funded plans are underwritten — offering potentially lower rates for healthier groups.
Best for: Small to mid-sized businesses (5–200 employees) looking for predictable costs with upside savings potential.
With a self-funded plan, your company pays employee health claims directly rather than handing a fixed premium to a carrier.
The benefits of self-funded health plans include:
Full transparency into how your healthcare dollars are spent
Customization: Build a plan that fits your workforce, not a generic pool
Savings potential: healthy years mean lower costs, period
Freedom from state mandates that drive up fully insured premiums
Best for: Employers with 50+ employees who want maximum control and have relatively predictable claims history.