---
title: "Selecting the Ideal Medical Insurance: A Guide for Employers"
description: Unlock the secrets to choosing the perfect medical insurance for your business. Discover self-funding options, risk assessments & more in our guide.
image: https://info.axcethr.com/hubfs/self-funded%20insurance%20-%20white%20paper%20-%20cover%20-%20vertical.jpg
---

[![franklin\_square.png](https://info.axcethr.com/hs-fs/hubfs/Axcet%20Logos/franklin_square.png?width=80&name=franklin_square.png "franklin_square.png")](https://www.axcethr.com)

# Self-Funded or Fully insured

7 Important Concepts Every Business Owner Should Know

## Which is right for you?

Choosing the right type of medical insurance is critical for both the health of your company and your employees.

**Get the facts:**

- What is self-funding?
- At what number of employees does it make sense to self-fund?
- What's individual stop-loss insurance?
- What's aggregate stop-loss insurance?
- Who bears the risk of large claims with fully insured and self-insured policies?

**Download the report today.**

![self-funded insurance - white paper - cover - vertical\_optimized](https://info.axcethr.com/hs-fs/hubfs/self-funded%20insurance%20-%20white%20paper%20-%20cover%20-%20vertical_optimized.jpg?width=351&name=self-funded%20insurance%20-%20white%20paper%20-%20cover%20-%20vertical_optimized.jpg)

 

## Get The Report Now

Your privacy is important to us. We'll never share your information. [Privacy Policy](https://www.axcethr.com/privacy-policy).

[![Visit the Resource Library](https://no-cache.hubspot.com/cta/default/2652187/537e75cc-f973-4fd0-a110-1c14431aff9b.png)](https://cta-redirect.hubspot.com/cta/redirect/2652187/537e75cc-f973-4fd0-a110-1c14431aff9b)

---

[![\_logo\_axcethr\_primary-sm.png](https://info.axcethr.com/hs-fs/hubfs/Axcet%20Logos/_logo_axcethr_primary-sm.png?width=260&name=_logo_axcethr_primary-sm.png "_logo_axcethr_primary-sm.png")](https://www.axcethr.com/)

Axcet HR Solutions (Axcet) manages human resources, benefits, payroll, safety, and workers' compensation duties for small- to medium-sized businesses in the Greater Kansas City metro area.

---

© 2026 Axcet HR Solutions. All Rights Reserved | [Privacy Policy](https://www.axcethr.com/privacy-policy)

```json
{
  "@context" : "https://schema.org",
  "@id" : "https://www.axcethr.com/#organization",
  "@type" : "Organization",
  "address" : {
    "@type" : "PostalAddress",
    "addressCountry" : "US",
    "addressLocality" : "Kansas City",
    "addressRegion" : "MO"
  },
  "aggregateRating" : {
    "@type" : "AggregateRating",
    "bestRating" : "5",
    "ratingValue" : "5",
    "reviewCount" : "100"
  },
  "areaServed" : {
    "@type" : "Country",
    "name" : "United States"
  },
  "award" : [ "IRS Certified Professional Employer Organization (CPEO)", "Award-Winning HR Solutions Provider", "SHRM Certified HR Professionals", "HRCI Certified HR Professionals" ],
  "contactPoint" : {
    "@type" : "ContactPoint",
    "areaServed" : "US",
    "availableLanguage" : "English",
    "contactType" : "Customer Service"
  },
  "description" : "Award-winning Professional Employer Organization (PEO) providing comprehensive HR solutions, payroll services, employee benefits, and risk management to small and mid-sized businesses. Founded in Kansas City in 1988 with 35+ years of expertise.",
  "foundingDate" : "1988",
  "foundingLocation" : {
    "@type" : "Place",
    "address" : {
      "@type" : "PostalAddress",
      "addressCountry" : "US",
      "addressLocality" : "Kansas City",
      "addressRegion" : "MO"
    }
  },
  "hasOfferCatalog" : {
    "@type" : "OfferCatalog",
    "itemListElement" : [ {
      "@type" : "Offer",
      "itemOffered" : {
        "@type" : "Service",
        "description" : "Comprehensive HR management services including recruitment, retention, performance management, and company culture development",
        "name" : "Human Resources Management"
      }
    }, {
      "@type" : "Offer",
      "itemOffered" : {
        "@type" : "Service",
        "description" : "Accurate payroll processing and payroll tax filing with dedicated payroll consultants",
        "name" : "Payroll Processing"
      }
    }, {
      "@type" : "Offer",
      "itemOffered" : {
        "@type" : "Service",
        "description" : "Group employee benefits management including health insurance evaluation, selection, and administration",
        "name" : "Employee Benefits Administration"
      }
    }, {
      "@type" : "Offer",
      "itemOffered" : {
        "@type" : "Service",
        "description" : "Workplace safety compliance and risk management solutions",
        "name" : "Risk Management"
      }
    }, {
      "@type" : "Offer",
      "itemOffered" : {
        "@type" : "Service",
        "description" : "Employment law compliance, regulatory reporting, and guidance from employment law attorneys",
        "name" : "HR Compliance & Legal Support"
      }
    } ],
    "name" : "HR Solutions Services"
  },
  "keywords" : "PEO, Professional Employer Organization, HR Solutions, Human Resources Outsourcing, Payroll Services, Employee Benefits, Kansas City PEO, Small Business HR, Mid-Sized Business HR, HR Consulting, IRS Certified PEO, CPEO",
  "knowsAbout" : [ "Human Resources Management", "Professional Employer Organization", "PEO Services", "Payroll Processing", "Employee Benefits Administration", "Risk Management", "HR Compliance", "Health Plan Management", "Talent Recruitment", "Performance Management", "Workplace Safety", "Employment Law Compliance" ],
  "legalName" : "Axcet HR Solutions",
  "logo" : {
    "@type" : "ImageObject",
    "url" : "https://www.axcethr.com/wp-content/uploads/axcet-logo.png"
  },
  "memberOf" : {
    "@type" : "Organization",
    "name" : "IRS Certified Professional Employer Organizations"
  },
  "name" : "Axcet HR Solutions",
  "numberOfEmployees" : {
    "@type" : "QuantitativeValue",
    "value" : "50-200"
  },
  "sameAs" : [ "https://blog.axcethr.com" ],
  "slogan" : "HR Support That Drives Success",
  "url" : "https://www.axcethr.com"
}
```