HAP offers the right funding options for your business

HAP knows you want to offer your employees competitive health plans that also meet your business cost needs. That’s why HAP offers fully insured, shared and self-funding options, depending on your unique business needs.

Fully insured

Some businesses prefer the predictability of a low-risk, fixed monthly premium cost combined with a full range of employee programs such as health and wellness and chronic condition management. With fully insured funding your business:

  • Pays a fixed monthly premium based on the number of employees
  • Assumes no financial risk and HAP pays your employees’ claims based on the benefits of your specific health plan
  • Pays a different monthly premium only if the number of enrolled employees varies throughout the year

Shared funding

For businesses with as few as 35 employees that prefer lower monthly premiums with some financial risk and greater network coverage flexibility, HAP offers shared funding. With this model your business:

  • Pays a lower monthly premium for only the services you need to manage your employee health plan (for example, customer service support, claims processing and billing)
  • Is directly responsible for the payment of your employees’ claims, however, may not be subject to all premium taxes under the Affordable Care Act (ACA)
  • Has greater flexibility by taking advantage of customized leasing networks


For businesses that prefer even lower monthly costs with increased financial risk and greater network coverage flexibility, HAP offers self-funding. With this model your business:

  • Receives plan administration services, offering guidance with risk and claims management, as well as compliance
  • Benefits from an administrator that manages your health plan and administers claims
  • Will receive detailed reports and have a thorough understanding of how every dollar is spent
  • Ability to customize and design your health plan

Plan administration

HAP’s shared and self-funding plans are administered by a Third Party Administrator or TPA:

  • HAP’s TPA partnership with ASR (You are leaving choosehap.org) gives your business the coverage area you need, where you need it, with customized leasing networks
  • Businesses benefit from the flexibility of administrative options that may include claims administration, customer service, medical and pharmacy benefit management, stop loss options and more

Which way should I fund my insurance?

With a large business, you have a choice in how to pay insurance costs for your employees. Let HAP help you find what funding options may suit the needs of your business and help you control your cash flow with the Plan Advisor Tool.

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HAP’s plan designs offer your business big benefits that are affordable. Connect with your insurance agent or a HAP Account Executive to customize a plan that is right for your business.

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  • Who pays health insurance taxes and fees for self-funded employers?
    With a self-funded plan, employers pay for health claims themselves; HAP manages the plan and administers claims. Employers in a self-funded plan are responsible for paying all taxes and fees.
  • Who is responsible for paying taxes and fees for fully insured employers?
    Fully insured employers are those that offer health coverage for their employees from a health insurance company, like HAP. The employer pays a per employee premium directly to the health insurance company. All health insurance taxes and fees are included in the cost of coverage and paid by HAP. The taxes and fees may display on the invoice as separate line items or embedded in the premium, based on the employer’s preference.
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