BCBS Blue Funding
A level-funded option for eligible groups of 10–150 employees, combining a fixed monthly amount with stop-loss protection.
How It Works
A structured, budget-friendly middle ground
Fixed Monthly Funded Amount
Your group pays a fixed monthly amount, giving you budget predictability similar to a fully insured plan.
Stop-Loss Protection
BCBS underwrites claims risk via stop-loss. Individual stop-loss deductibles typically run $30,000–$50,000 per claimant, per year, and an aggregate stop-loss caps your group's total annual exposure.
Year-End Settlement
If claims run under the funded amount, a year-end settlement can return surplus — typically 50–80% of the unused balance — back to the employer. Some Cape Cod employers put that surplus right back into richer benefits or a lower employee cost-share the following year — a direct way to make the plan itself a recruiting tool.
Underwritten, Not Guaranteed
Eligibility and terms are subject to current BCBS underwriting rules and can change. Confirm specifics at quote time.
Blue Funding is not an Association Health Plan, pooled-risk program, or insurance product on its own — it is a funding structure offered in connection with BCBS Massachusetts coverage. Suitability depends on your group's size, claims history, and underwriting results.
Wondering if your group qualifies?
A local advisor can check your group size and current renewal against Blue Funding's eligibility window.