Subject to state mandates
Limited plan design options
No money back
Financial protection
Community rated


Generally not subject to state mandates
More flexible benefit designs
Opportunity to get money back
Financial protection
Monthly costs reflect expected claims

Is self-funding right for your company?

Typically, self-funding has been used by large companies to control benefits costs. Aetna Funding Advantage offers self-funding built for your smaller business.

It’s a win-win

With Aetna Funding Advantage, you can get money back in years when your medical costs are lower than anticipated. If medical costs are higher than anticipated, you’re protected with stop-loss insurance. And, our plan designs provide you with access to Aetna’s quality network and health and wellness benefits.

How Aetna Funding Advantage works

Rather than prefunding the cost of insurance every month, you fund a personalized maximum claim amount. When your claims are higher than this maximum amount ... stop-loss insurance kicks in. And, when you renew your plan, 50% of any surplus at the end of the year is returned to you.

Explore opportunities for savings

Aetna can help you find the right coverage for the right cost. And that can make a difference for the health of your employees and the health of your company’s bottom line. Talk to your broker about Aetna Funding Advantage and put the experience of Aetna to work for you.


 Cosmo Insurance Agency is an independent insurance agency serving surrounding communities in New Jersey. Cosmo keeps its promise to assure an efficient and creative approach to the services we offer. Each of our clients experience a personalized and long-term relationship with us. Our New Jersey based team of health brokers guides our clients in helping them choose the most cost-effective options. By incorporating the latest in technology-based tools and laws on healthcare, employee benefits, life insurance and finance, we keep our clients up-to-date with the plans that encompass all of their needs, whether it is individual or group insurance.

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