Trustmark Group Insurance offers a wide range of flexible funding options designed to accommodate each group’s specific needs or budget. For groups with 51 or more covered employees, the following alternative funding arrangements are available, subject to underwriting guidelines and product availability in each state.

Minimum Premium Plan
Minimum Premium combines the security of conventionally funded health insurance with many of the advantages associated with self-funding. The plan allows financially qualified clients to fund their own claims, significantly reduce premium taxes, and enjoy the security of a plan fully backed by Trustmark Group.

Stop Loss Insurance—Specific and Aggregate
Trustmark Group's stop loss insurance products limit the risks of self-funding. Specific Stop Loss limits the financial risk of medical costs paid on behalf of any one individual, excluding prescription drug card benefits. In conjunction with Specific Stop Loss, Aggregate Stop Loss offers protection against higher than expected claims from the group as a whole.

Experience Rating Agreement
A fully insured contract is in place, but Trustmark Group agrees to return unused premium to the group. Unused premium is collected premium that exceeds the sum of claims paid, needed reserves, expenses, taxes and other government obligations. Trustmark Group's Experience Rating agreement also may be available on a Retrospective Premium basis.

Minimum Premium Plan
Trustmark Group Insurance Minimum Premium Plan for large sized employers combines the security of conventionally funded health insurance with many of the advantages associated with self funding. Trustmark Group offers a number of flexible plans options for large employers which can be used to further limit and refine customer liability, including individual pooling levels, aggregate claim pooling, terminal benefit limit, premium guarantee and terminal reserve funds guarantee option, deficit recovery limit protection, deferred deficit recovery, surplus position carryover and banking arrangement.