Billington Insurance has been offering groups a self-funded alternative option to their fully insured renewals since 2010. With the passing of ACA more companies are offering this option, down to as few as two insured lives. At Billington Insurance we believe this is the most efficient way to provide coverage to your employees while reducing costs and saving clients money. My large group clients have experienced cost reductions of 15-35% versus their fully insured renewals. This is not just a one year thing either as most continue to see significant reductions in healthcare costs over multiple years.