Paul H. Flowers Jr.Senior Business Consultant, Superior Insurance Advisors, LLC · 2024 Hot 100 honoree. 2026 Health Value Award. Fiduciary process documented. 30 to 40 percent health-plan savings for 100 to 2,000 employee CFOs. 3x number one bestseller.

Self-Funded Health Plans Explained in 40 Seconds

5 Jun 2026 · 1 min

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In this 40‑second explainer, Paul H. Flowers Jr. addresses CFOs and HR directors, revealing that traditional fully‑insured employer health plans require companies to pay every claim plus an additional margin that funds a third‑party risk pool. He contrasts this with self‑funded plans, where the employer directly pays its own claims and purchases stop‑loss insurance to protect against unusually large expenses. Flowers asserts that companies switching to self‑funded arrangements typically achieve 20‑40% cost savings while maintaining comparable or better coverage. He attributes the lack of awareness to middlemen who profit from the status quo and invites viewers to follow him for more insight.

Chapters

Here's what nobody tells you about your company health plan: you're already paying for every claim, plus a margin for someone else's risk pool. A self-funded plan flips the script. You pay your own claims, and stop-loss insurance catches the big ones. Companies that switch typically save 20-40%. Same coverage, often better. So why hasn't anyone shown you this math? Because the middlemen get paid when you don't ask. I'm Paul H. Flowers Jr. I show CFOs and HR directors the real math. Follow me.