Lower your health insurance costs—without compromising coverage
Gusto’s Level-Funded Health Plans help small businesses save an average of 20% on premiums—while keeping the same great coverage and experience employees expect.
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Benefits that fit your team—and budget
Lower premiums based on your team’s health. Companies save an average of 20%
Predictable monthly costs and one premium just like a traditional group plan
Quality coverage with access to the same providers employees know and trust
Easy benefits management integrated with payroll—no hidden fees
What’s a Level-Funded plan?
A level-funded plan is a type of health insurance that gives small businesses more control over costs. You pay a predictable monthly amount that covers your team’s medical care, admin costs, and built-in protection for high claims.
What makes level-funded plans different? Unlike traditional plans, your costs are based on your group’s health and how much your team uses healthcare services. Teams with lower utilization can access significant savings. If your team stays healthy and doesn’t use all the funds, you may even get money back at the end of the year.
With fixed premiums, it’s a smart way to save—without giving up great coverage. That’s why adoption is growing fast: the share workers enrolled in level-funded plans jumped from 6% in 2018 to 38% in 2023¹.
Save time with benefits that sync with payroll
Automate benefits busywork
With Gusto, payroll and benefits live in one all-in-one platform—no extra systems, no extra logins. We automatically calculate deductions and sync employee elections—no more manual updates, fewer errors, and less paperwork.
Less admin, more peace of mind
Gusto takes care of compliance in the background—keeping you up to date with Section 125 and other regulations, no spreadsheets required. You get all this at no extra cost, with health insurance administration included in your Gusto plan.
Everything in one place
From medical to 401(k) to commuter benefits, everything’s centralized in Gusto. So you can spend less time toggling between systems—and more time growing your business.
A health insurance offering, packed with value
Gusto’s Level-Funded health plans make it easy to offer affordable, high-quality benefits—without the admin burden. We even automate renewals, saving you time year after year. Plus, you get expert support from a licensed benefits advisor when you need it.
Save an average of 20% with Level-Funded health plans
Get expert plan guidance from a licensed benefits advisor
Easily shop and compare directly in-app
Automate deductions for medical, dental, and vision insurance
Employees self-enroll and manage their benefits in Gusto
Built-in compliance support with automated alerts
No broker or setup fees—benefits admin is included
Start offering smarter, more affordable health benefits—backed by expert guidance and all-in-one simplicity.
“Gusto helped us transition to a level-funded health plan that’s saving us money without compromising employee benefits coverage...That’s the kind of partner we need to support our people and our continued growth.”
Principal Scientist, Coastal Protection Engineering
Look out for your employees, their families, and their futures.
Your team needs flexibility and peace of mind when it comes to their well being and planning for the future. That’s why we offer comprehensive benefits that go beyond traditional health insurance.
Beyond level-funded plans, Gusto offers a full suite of health benefits with flexible options to meet every small business need. From traditional group plans, dental, vision, health savings accounts (HSAs), and beyond, we have you covered.
