Carriers are coming out of the wood works with a level funded plan design. This is a self funded plat form with more of a fully insured feel to it. I am not quite sure how these plan will run. My only experience with these would be with Great West back in the days that did not run well. The reason these plans are being introduced is because of the future community ratings. These plans will not have to have a community rating. So healthy group should be able to get better rates. Has anyone had this type of plan in place with a client? If so did the client get any premium refund? Also how was the rate increase at renewal time? Admin increase or claims funding increase or both?