UnitedHealthcare All Savers Alternate Funding for employers

It is not a fully insured ACA small-group policy. Official materials state that the product is not available in all states. It is not a substitute for a carrier on Florida's 2026 small-group ACA list. It is not tax, legal, or insurance advice, and it is not an offer of coverage. We do not treat a year-end surplus as guaranteed, and we do not repeat advertised savings as Ares's claims.

What All Savers Alternate Funding is

Official All Savers Alternate Funding materials describe a self-funded health plan with three parts:

1. The employer's self-funded medical plan, which pays covered medical expenses of covered employees and dependents.
2. A third-party administration agreement between the employer and United HealthCare Services, Inc., or UnitedHealthcare Service LLC in New York, for claims processing, billing, customer service, and other administrative services.
3. A stop-loss insurance policy. Official materials name All Savers Insurance Company as the stop-loss underwriter except in Massachusetts, Minnesota, New Jersey, and New York; UnitedHealthcare Insurance Company in Massachusetts and Minnesota; UnitedHealthcare Life Insurance Company in New Jersey; and UnitedHealthcare Insurance Company of New York in New York. Stop-loss is described as protection for large individual claims and for claims that exceed a stated dollar limit in the aggregate.

The same official materials describe the plan as level-funded: the company makes the same monthly claims-funding payment throughout the plan year, and is not asked to pay more for covered claims at the end of the year even if claims are high, because stop-loss is part of the monthly payment. A general explainer of that model is on level-funded health plans and self-funded health plans. Stop-loss itself is explained on stop-loss insurance.

Official materials also describe a possible year-end surplus or refund if covered claims are lower than expected, where state law allows. That is All Savers' description. Whether a given group receives a surplus is a fact about that year's claims, the contract, and state law, not something we will forecast.

UnitedHealthcare also publishes an employer page on UnitedHealthcare Level Funded and All Savers Alternate Funding, which describes level-funded plans as locking in a fixed monthly payment for the plan year, with stop-loss insurance protecting the business from unexpected high claims. We will confirm which UnitedHealthcare or All Savers funding name is actually being quoted in your state, because branding can vary.

Who it is for

Official materials describe the product for businesses with 5 to 300 eligible employees, and say group size may vary by state. That range includes much of Ares's 2-to-50 core once a group reaches the minimum, and it extends into mid-size employers. A company with two, three, or four eligible employees should not assume this product can be issued. The product is not available in all states. We will confirm current state and size rules on a proposal.

This is a different product from a fully insured UnitedHealthcare small-group policy such as Choice Plus or Navigate. A Florida employer looking for a fully insured ACA small-group plan should start with UnitedHealthcare in Florida, Florida Blue, and AvMed. All Savers Alternate Funding, where it can be issued, is a funding-structure alternative, not an entry on the DFS 2026 list.

How to check a doctor or hospital

The network on an All Savers or UnitedHealthcare level-funded quote has to be named on the contract. Search UnitedHealthcare's official directory at uhc.com/find-a-doctor with that exact network, and confirm before care. Do not assume a Choice Plus or Navigate result applies to an All Savers contract unless the quote uses that network name. See how to check a group health plan network.

How we compare it with other structures

An All Savers Alternate Funding quote belongs next to a fully insured small-group or large-group policy, Aetna Funding Advantage, Cigna Level Funding, a self-funded plan with separate stop-loss, an ICHRA, or a QSEHRA. We will only quote the structures that currently apply in the state, and we will not describe any of them as cheaper in the abstract.

If the company also wants a fully insured UnitedHealthcare family, Choice Plus and Navigate remain separate product conversations, confirmed by state. A group can compare a fully insured UnitedHealthcare small-group policy and an All Savers Alternate Funding quote in the same proposal when both can be issued. We will keep the funding types distinct so the contract and the directory search stay accurate.

What we need for a proposal

We need a census, eligible-employee count, worksite states, the current plan or funding type, the renewal date, and any claims information the underwriter requires.