Too many moving parts
Program, underwriting, network, TPA, stop-loss, admin — each handled by a different vendor on a different timeline. The pieces rarely move in step, so a simple quote turns into a week of chasing.
Self-funding, made simple
Self-funded health,
Self-funded health,
coordinated end to end.
Velora is the program coordinator for self-funded health — we bring the programs, the underwriting, the network, and the technology together into one simple, transparent program that works for everyone at the table. Level-Funded and Risk Pool, coordinated end to end.
The program coordinator for self-funded health.
The problem
Self-funded health is powerful.
Self-funded health is powerful.
It's also scattered across a dozen hands.
A self-funded plan isn't one thing — it's a program, an underwriter, a network, a TPA, stop-loss, admin, and the technology to run it, each living with a different party. Stitching those pieces together is slow, opaque, and easy to drop. That's the real reason self-funding feels hard. Velora brings every piece under one coordinated roof.
Nobody can see the whole thing
When the economics are split across handoffs, no one at the table can say exactly how the number is built — and a plan people can't see is a plan people don't trust.
It unravels after the sale
Implementation, renewals, support, and reporting get scattered the same way the quote was. The plan that took weeks to assemble starts coming apart the moment it goes live.
The solution
One coordinator for the whole program.
Velora is the program coordinator for self-funded health. We take every scattered piece — the programs, the underwriting, the network, the admin, and the technology — and run them as one. A fully integrated health-plan ecosystem, coordinated by Velora, so what used to take a dozen hands moves as a single, transparent program.
The programs
Level-Funded and Risk Pool — two self-funded structures, built and run together so the right one fits each group, with the same simple, transparent shape on both.
The underwriting & markets
One submission gets staged, normalized, and priced through the Velora engine — no re-keying into a dozen portals, no rate guesswork, one coordinated underwriting path.
The network
Network access is part of the program, matched to the group rather than bolted on after the fact — so coverage and cost are decided together, not in separate silos.
The implementation & admin
Sold-to-live milestones, e-sign, support, and notifications run in one workspace — the after-the-sale work that usually scatters, held together in one place.
The renewals
Cases re-surface ahead of their renewal window on their own, so the program stays ahead of the date instead of scrambling to defend a rate at the deadline.
The data
Claims, utilization, and plan economics live in one transparent view everyone at the table can see — the same numbers, the same story, for everyone.
Who it's for The same coordinated program serves everyone at the table — the brokers and general agencies who place it, the employers who fund it, and the underwriting markets that back it. One program, one transparent set of economics, told the same way to everyone.
The platform
The technology is the coordination layer.
The programs are what you get; the platform is how Velora coordinates them. It's the layer that keeps every piece — intake, underwriting, implementation, renewals, support, and data — moving as one. Not tech for its own sake; technology that delivers the program.
One intake, any format
Send the case in whatever census you have — xlsx, CSV, PDF, even a carrier bill. Velora normalizes it and flags what needs a human eye, so a messy spreadsheet isn't a two-day delay.
Coordinated underwriting
The case runs through the Velora engine and comes back as a finished, client-ready proposal with the economics shown — one coordinated price, not a raw rate dump to clean up.
Sold-to-live, in step
A milestone timeline from sold to live keeps implementation coordinated, so nothing goes quiet between the handshake and the effective date.
Renewals that stay ahead
Cases re-surface ahead of their renewal window on their own, so the program walks in early with options instead of defending a rate hike at the deadline.
One place for the back-and-forth
Support threads, notifications, and e-sign live in one auditable workspace, so the coordination that holds a plan together stays findable and on the record.
One transparent view of the data
Everyone at the table sees the same plan and the same numbers in one clean portal — the shared, transparent view that a coordinated program makes possible.
How it works
Submission in. Coordinated plan out. Four moves.
01
Submit
Send the company details and documents. Velora stages the case and normalizes the census — no re-keying, any format.
02
Velora coordinates
The case is priced through the Velora engine — Level-Funded or Risk Pool — with the underwriting, network, and admin lined up together.
03
Proposal back
A finished, transparent proposal comes back with the economics shown — one number everyone at the table can read.
04
Place & run
Sign, implement, and let renewals re-surface on their own — the whole program runs in one coordinated workspace.
What a coordinated program looks like
Fund expected claims.
Fund expected claims.
Stop-loss caps the rest.
This is what self-funding actually is, made simple. Instead of handing a carrier a fixed premium to keep, the employer funds a predictable monthly amount for claims. Stop-loss caps the downside on any single large claim and on the year as a whole. Come in under plan, and the difference goes back to the employer — not the carrier. Velora coordinates all of it so the story holds together on one page.
- Level monthly payments smooth out cash flow.
- Two layers of stop-loss protect against shock and aggregate risk.
- A good claims year can return unused funds to the business.
Programs
Self-funding, two ways.
Self-funding, two ways.
Level-Funded and Risk Pool — we do both.
The programs are the heart of what Velora coordinates — not a generic platform with insurance bolted on. Level-Funded is a form of self-funding — the simplest way in — and Risk Pool takes it further. Velora does both, and puts each case on the structure that fits. Either way, it's self-funding, made simple.
Level-Funded
One predictable monthly payment with stop-loss built in — the easiest on-ramp to self-funding for small and mid-size groups, and the program most clients agree to first.
- Fixed monthly budget, no surprise bills mid-year
- Specific & aggregate stop-loss caps the downside
- Unused claim funds can return to the employer
- Claims & utilization data the group can actually see
Risk Pool
A pooled-risk structure quoted straight from block rates — steadier year-over-year results and near-instant, self-serve quoting for the groups that fit the pool.
- Risk spread across the pool for steadier results
- Block rates mean a quote back in minutes, self-serve
- A cleaner on-ramp where individual underwriting isn't ideal
- Clear, defensible economics you can show the client
Level-Funded vs. Risk Pool
Same easy quote. Different shape of risk.
Same easy quote. Different shape of risk.
We help you pick.
Program 01
Level-Funded
- Group is individually underwritten — pricing reflects the group's own risk
- Unused claim funds can return to the employer in a good year
Program 02
Risk Pool
- Quoted from block rates — near-instant, self-serve where eligible
- Risk is spread across the pool for steadier year-over-year results
A note on terms Reference-Based Pricing (RBP) is a separate, distinct pricing model — it sets allowed amounts against a benchmark such as Medicare, and it is not the same thing as Risk Pool, which is a way of spreading risk. Velora's focus programs are Level-Funded and Risk Pool; where RBP fits a group's strategy, we can speak to it as its own approach.
"Self-funded health doesn't need more vendors. It needs a coordinator — so we built Velora to be exactly that."
On the roadmap
Next: coordination across the whole market.
Today one case becomes one coordinated Velora proposal. Next, that same case gets shopped to a panel of underwriting markets, compared in one normalized view, and turned into a proposal automatically — coordination that reaches across markets, with none of the chasing.
Multi-market sourcing
Route a quoted group to the markets it fits and collect every offer in one place — more competition on the same submission, coordinated automatically.
AI network selector
Network recommendations per case with the reasoning shown — fit, geography, and cost impact, so the choice is defensible.
Outcome transparency
See how Velora-coordinated programs actually perform — measured and scoped, no marketing math.
Service, not just software
A coordinator keeps everyone connected.
Self-funded health runs on a lot of hands, and the deals that stall are the ones where a handoff gets dropped. Velora is the service between them — one coordinated line across brokers, agencies, employers, and underwriting markets, so questions get answered, handoffs land, and the case keeps moving.
Brokers & agencies
One point of contact from submission to renewal — no chasing status across a dozen inboxes.
Employers
Straight answers about the plan, the numbers, and what comes back — whenever they ask.
TPA & network
Velora coordinates the moving parts behind the plan so the admin doesn't land on you.
Underwriting markets
Clean, appetite-matched submissions and a single, responsive line back.
Get started
One coordinated program. One conversation.
Tell us about your group or your book and we'll set you up with access. Self-funded health, coordinated end to end — the program coordinator for self-funded health.