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Michigan employers with 50 or more employees and stable workforces can save 15 to 20% on healthcare costs by moving to a self-funded or level-funded health plan. The decision depends on cash flow, workforce stability, and risk tolerance, not size alone. This guide walks Michigan CFOs and business owners through the evaluation framework, regulatory considerations, and implementation timeline for 2026.

Michigan employers with 50 or more employees and stable workforces can save 15 to 20% on healthcare costs by moving to a self-funded or level-funded health plan. The decision depends on cash flow, workforce stability, and risk tolerance, not size alone. This guide walks Michigan CFOs and business owners through the evaluation framework, regulatory considerations, and implementation timeline for 2026.