Blue Funding

A level-funded option for eligible groups of 10–150 employees, combining a fixed monthly amount with stop-loss protection.

10–150

Eligible group size for Blue Funding (current figure)

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.

Self-funded and level-funded arrangements like Blue Funding cover roughly 65% of Rhode Islanders with employer-sponsored coverage — and are not subject to the requested 2027 rate increases discussed on Rate Trends & Market Reality. Source: OHIC, "2027 Requested Commercial Health Insurance Rates Have Been Submitted to OHIC for Review," June 15, 2026.

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.

Request a Review