Self-funded health benefit plans allow employers to actively participate in their company's employee healthcare coverage, gaining greater control over both the design and financing of the plan. While the employer assumes the risk of expected claims, IHRM members help client employers procure stop-loss insurance to protect the plan against unpredictable losses.

Experienced IHRM professionals assist agents and employers with plan design and implementation, including preparation of a plan document and summary plan description. Claims adjudication, which is the most visible aspect of the benefit plan for individual participants, is handled through state-of-the-art QicLink™ benefits administration technology – systems that assure prompt and accurate management. Meaningful data for plan analysis and plan modeling is provided with a broad array of ad hoc reporting tools.