A savvier way to save

When it comes to controlling rising health care costs, the Aetna Funding AdvantageSM plan gives your business exactly what it needs: the opportunity to self-fund. You’ll have more control over costs, improved financial stability and increased protection against financial risk.

The best part? Upon renewal, if your employees’ health care costs are lower than expected, we’ll refund the surplus. That means more money for your company.

What is Aetna Funding Advantage?

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Learn how to lower costs
Discover how self-funding can help your business get money back.



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Pathways to savings
See how an AFA plan can save your employees money and make access to care — including mental health and wellness — easier for all. 

AFA member value
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CVS Health Virtual Primary Care
Creates the opportunity to build a primary care relationship, virtually. Eligible members choose a physician to help them with a wide range of medical needs and ongoing care.
CVS Health Virtual Primary Care
Learn how to lower costs
Discover how self-funding can help your business get money back.
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Quality care that’s close to home
Give your employees the care they need, when and where they need it at MinuteClinic® locations.*
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 Care on the go
No matter the time or place, your employees can get the care they need virtually.
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Is Aetna Funding Advantage right for me?

More flexibility. Potential cost savings. Financial predictability. See how Aetna Funding Advantage is right for your small business.

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There's more than one way to save

With Aetna Funding Advantage, you get perks that you can’t get from Affordable Care Act (ACA) fully insured plans. In addition to saving time on health care tracking and reporting, you can also enjoy:
  • Savings of up to 25%* on monthly payments
  • Opportunities for shared savings
  • Employee-funded individual health savings account (HSA) by PayFlex®

Support employees with up to $100 a year to shop CVS® retail wellness products

Staying healthier and feeling better just got more affordable. With the Over-the-Counter Health Solution (OTC Health Solution) benefit, your enrolled employees and their families (your plan’s members) get a $25 allowance every three months† to spend on hundreds of CVS® brand non-prescription health and wellness support products.

Learn more

Savings for your small business

With Aetna Funding Advantage self-funding, you get benefits that you can’t get from ACA fully insured plans. And now, more than ever, there is little more important than savings for your business. Check this out:
  • Savings of up to 25%* on monthly payments
  • Opportunity for shared savings
  • Employee-funded Individual HSA by PayFlex®

Surplus success

It pays to stay with Aetna Funding Advantage. And our small business customers think so, too. Here’s their (and our) success story:
  • Year to date: 50% of groups have a surplus***
  • Year to date: average $8,893 surplus payout***
  • Year to date: 81% retention rate***
Check out details on saving now and surplus later

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You're protected 

It’s been a risky time to be a small business owner. But with an Aetna Funding AdvantageSM plan, you’re protected. Aetna Funding Advantage plans offer the value of self-funding along with financial protection to manage risks. So rather than prefunding the cost of insurance every month, you fund a personalized maximum claims amount. When your claims are higher than this maximum amount, stop-loss insurance kicks in. Even better: When you renew your plan, we return 50% of any surplus to you.

Surplus success

It pays to stay with Aetna Funding Advantage. Check out the success our small business customers have had with the surplus benefit they've earned. In 2022:

  • 48% of groups have a surplus**
  • $8,280 average surplus paid per group**
  • $767 average surplus paid per subscriber**

If your effective date is between now and December 1, 2023, you can get an administrative fee credit per employee when you buy and a guaranteed surplus if you renew.***

See the savings

Keep your business strong and your employees healthy

Enjoy the benefits of Aetna Funding Advantage

Savings
You can save up to 25 percent* on monthly payments. So you can see cost savings that go straight to your bottom line.
Control
Stop loss coverage limits your risk if claims are higher than anticipated. And in years when your medical costs are lower than anticipated, you can get money back for your business.
Simplicity
You make a single payment each month that covers claims, your terminal reserve, stop loss insurance and plan administration. Plus, our Springboard Marketplace® platform makes it easy with digital shopping, enrollment and reporting capabilities.
Win-win
You can get money back and protection with stop loss insurance. Plus, our plan designs provide access to Aetna’s value-based care networks and health and wellness benefits. So you win all around.

How it works

Savings
You can save up to 25%* on monthly payments with self-funding. So you can see the cost savings add up as they go straight to your bottom line.
Control
Minimize your risk while maximizing your rewards. If claims are higher than expected, stop-loss coverage limits your risk. And when your medical costs are lower than anticipated, you’ll get money back for your business.
Simplicity
You make a single payment each month that covers claims, your terminal reserve, stop-loss insurance and plan administration. Plus, our Springboard Marketplace® platform makes it easy with digital shopping, enrollment and reporting capabilities.
Win-win
You can get money back and protection with stop-loss insurance. Plus, our plan designs provide access to the Aetna® value-based care networks and health and wellness benefits. So you win all around.

Help your employees achieve more with the Attain® app

Attain† helps your employees follow their own path to better health. It combines their unique health history with their wearable activity device. The result: personalized goals, ††achievable actions and motivating rewards.

Together let’s strive for healthier.