Glossary · Plan types
What is a self-insured plan?
A self-insured plan is one where the employer collects premiums and takes on responsibility for paying employees' and dependents' claims. It may hire a third-party administrator for enrollment and claims.
Definition and figures from HealthCare.gov glossary, checked October 23, 2026. This page explains the term; it does not recommend a plan.
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Self-insured plan: the facts
| Item | Fact | Source |
|---|---|---|
| Who pays claims | The employer | HealthCare.gov glossary: Self-insured plan |
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What does self-insured plan mean in health insurance?
A self-insured plan is one where the employer collects premiums and takes on responsibility for paying employees' and dependents' claims. It may hire a third-party administrator for enrollment and claims.