Plan Design

Cost and Value

Plan Design involves carefully evaluating coverage options, cost-sharing mechanisms, and provider networks to ensure that employees receive the best care while containing expenses for both employers and employees. By optimizing the plan’s design, businesses can create a balance, offering competitive benefits that attract and retain top talent while managing the long-term financial sustainability of the plan.

Funding Options

Group health funding options provide businesses with diverse strategies for financing their employees’ healthcare coverage. From fully-insured plans that offer predictability to self-funded arrangements that provide flexibility, these options cater to different organizational needs and budgets.

Fully Insured

Fully insured health plans offer businesses the assurance of fixed premiums and external risk management by insurance carriers, providing budget predictability and comprehensive healthcare coverage for employees.

Level Funded

Level funded health plans combine the stability of fully insured plans with the potential cost savings of self-funding, providing businesses with financial control and flexibility while ensuring robust healthcare coverage for their employees.

Self Funded

Self-funded health plans empower employers to directly cover their employees’ healthcare costs, allowing for greater customization, potential cost savings, and a closer connection to healthcare decision-making.

Self-Funded (unbundled)

In an unbundled self-funded plan, the employer can choose different vendors for services such as claims processing, network management, pharmacy benefit management, and stop-loss insurance.

Self-Funded (unbundled)

Break free from carrier platforms and build out your own unique health plan. Self funding offers a variety of options and moving away from the carriers platform offers even more options.

Solutions for businesses of all sizes

Grabe Financial offers its comprehensive suite of services to businesses of all sizes, from small startups to large enterprises. Our commitment to tailoring employee benefits and retirement planning solutions ensures that businesses, regardless of their scale, can provide valuable benefits and support to their employees.

Small Businesses

3- 50 Employees

Mid-Sized Businesses

51-499 Employees

Large Businesses

More than 500 employees


Group health consulting is a specialized service that businesses can leverage to navigate the complex landscape of employee health benefits.

Cost Management Strategies

Managing health costs effectively while still offering competitive and valuable employee benefits

Strategic Plan Design

Tailoring health plans to meet the unique needs of your workforce

Health Financial Accounts

Health Financial Accounts are financial tools designed to help individuals manage healthcare expenses more efficiently. ¬†They provide flexibility and can be used to cover various healthcare costs, from doctor’s visits to prescription medications. Health Financial accounts offer tax advantages and help to ease the financial burden of healthcare.

Health Savings Account (HSA)

Health Savings Accounts (HSAs) are tax-advantaged savings accounts designed for individuals and families covered by a high-deductible health plan

Health Reimbursement Account (HRA)

Health Reimbursement Accounts (HRAs) are employer-funded benefit accounts designed to help employees cover qualified medical expenses.

Flexible Spending Account (FSA)

Flexible Spending Accounts (FSAs) are tax-advantaged savings accounts that allow individuals to set aside pre-tax dollars from their paycheck to cover eligible out-of-pocket medical expenses.