全額投保 – a traditional way to structure an employer-sponsored health plan. 在這種情況下, 用人單位支付溢價保險公司和保險公司支付基於政策中概述的覆蓋範圍好處保健索賠.
自保 – when an employer operates their own health plan as opposed to purchasing one from an insurance carrier. Employers may be drawn to this method because it allows them to save money that they would have paid the insurance carrier. 然而, 它使雇主容易受到事件的風險的大量有更多的要求比預期要付出.