When you have 50 or more employees, self-funding coverage can be a great cost-saving solution. In a self-funded plan, the employer pays claims as they come in, which means a healthy workforce will generate low costs month to month. Costs may vary, but with stop-loss coverage, your annual costs will be capped. When your cash flow and risk tolerance are at a comfortable level, self-funded group medical can lead to significant savings compared to paying an insurance provider a set amount each month for coverage your employees may not use.