--- title: Exploring Partial Self-Insurance as A Viable Option for Nonprofits description: Partial self-insurance could be a viable option for your organization to lower costs and provide better benefits to your employees. --- [![Nonstop](https://blog.nonstophealth.com/hs-fs/hubfs/2022-nonstop/images/Nonstop_Logo-22-Horizontal%20(2).png?width=1501&name=Nonstop_Logo-22-Horizontal%20(2).png "Nonstop")](https://www.nonstophealth.com/) ** - [ Outcomes ](https://blog.nonstophealth.com/exploring-partial-self-insurance-as-a-viable-option-for-nonprofits#) - [![icon-1](https://blog.nonstophealth.com/hubfs/2022-nonstop/images/icon-1.svg) Benefits Nonstop Health can improve benefits and lower costs for employees and employers. ](https://www.nonstophealth.com/benefits) - [![icon-2](https://blog.nonstophealth.com/hubfs/2022-nonstop/images/icon-2.svg) Services & Technology Get the most out of your plan with easy administration and usage tracking. ](https://www.nonstophealth.com/services) - [ Resources ](https://blog.nonstophealth.com/exploring-partial-self-insurance-as-a-viable-option-for-nonprofits#) - [![icon-1](https://blog.nonstophealth.com/hubfs/2022-nonstop/images/icon-1.svg) Support Our support team is ready to help, whether you’re an employer, member, or broker. ](https://www.nonstophealth.com/support) - [![icon-3](https://blog.nonstophealth.com/hubfs/2022-nonstop/images/icon-3.svg) Case Studies Seeing our solution in action. ](https://offers.nonstophealth.com/case-studies) - [![icon-4](https://blog.nonstophealth.com/hubfs/2022-nonstop/images/icon-4.svg) Blog Insights and updates to help navigate the health insurance landscape. ](https://blog.nonstophealth.com) - [![icon-5](https://blog.nonstophealth.com/hubfs/2022-nonstop/images/icon-5.svg) Podcasts A collection of conversations built to inspire. ](https://www.nonstophealth.com/podcast) - [![icon-6](https://blog.nonstophealth.com/hubfs/2022-nonstop/images/icon-6.svg) Webinar & Guides Insights and resources to help your organization thrive. ](https://offers.nonstophealth.com/resources) - [ About Us ](https://blog.nonstophealth.com/exploring-partial-self-insurance-as-a-viable-option-for-nonprofits#) - [![icon-7](https://blog.nonstophealth.com/hubfs/2022-nonstop/images/icon-7.svg) Our Team Learn about who we are and what drives us. ](https://www.nonstophealth.com/about-us) - [![icon-8](https://blog.nonstophealth.com/hubfs/2022-nonstop/images/icon-8.svg) Careers Discover rewarding employment opportunities with Nonstop. ](https://www.nonstophealth.com/careers) - [ Account login ](https://www.nonstophealth.com/alert) - [ For employees ](https://members.prod.nonstophealth.com/) - [ For employers ](https://clients.nonstophealth.com/) - [ For brokers ](https://channel.nonstophealth.com/) - [ Contact Us ](https://www.nonstophealth.com/contact-us) # Exploring Partial Self-Insurance as A Viable Option for Nonprofits Increasing healthcare costs, ACA compliance, balancing ever-precarious budgets, retaining valuable staff…midsize nonprofit organizations must consider many factors related to offering and managing group health coverage these days. More than ever, they need a better solution to the dilemma of providing mandated and high-quality employee healthcare while also watching the bottom line.  While in the past traditional fully-funded coverage provided by insurance carriers was the norm for midsize nonprofits, today there are more innovative options on the table. One such alternative is partial self-insurance, a blend of traditional fully-funded insurance and fully self-funded coverage. With partial self-insurance organizations purchase less expensive, high-deductible healthcare plans (HDHPs) for employees, and then provide a reserve account of supplementary funds to cover some or all out-of-pocket expenses. While the financial and employee [benefits](https://blog.nonstopwellness.com/the-benefits-–-and-challenges-–-of-partial-self-insurance-for-nonprofits) are vast with typical partial self-insurance, there are also some [challenges](https://blog.nonstopwellness.com/the-benefits-–-and-challenges-–-of-partial-self-insurance-for-nonprofits) in the form of financial risk and management concerns. However, exploring partially self-funded plans and determining the level of risk is the first step for nonprofits towards achieving the delicate balance between balancing public needs with employee needs.  This is especially true for midsize organizations that are struggling to withstand rapidly growing premiums and decreased benefits provided by traditional plans. That said, traditional brokers may have goals and capabilities that are not aligned with the typical nonprofit. As such, it is worth seeking out alternative sources of information, such as non-traditional brokers who specialize in partial self-insurance and/or have experience with the independent sector. Want more information? A full copy of The Nonprofit Executive’s Guide to Partial Self-Insurance can be downloaded [here](https://offers.nonstopwellness.com/guide-to-partial-self-insurance), and to learn about Nonstop’s unique approach to partial self-insurance, please [contact us.](http://www.nonstopwellness.com/Contact-Us) The information and materials herein are provided for general information purposes only and are not intended to constitute legal or other advice or opinions on any specific matters and are not intended to replace the advice of a qualified attorney, plan provider or other professional advisor. This information has been taken from sources believed to be reliable, but there is no guarantee as to its accuracy. 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