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Better Business Bureau®

 Aetna Funding AdvantageSM health plans are designed with your small business in mind. They offer the benefits of self-funding, like more cost control, with the protection and simplicity your small business needs.

The best part? When your employees’ health care costs are lower than expected, you get back a percentage of your funds. That means more money for your company. So you win big.

Aetna Funding Advantage – a big thing for your small business

You’re protected

Aetna Funding Advantage offers the benefits 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 percent of any surplus to you.

Save more with self-funding

Traditional funding is subject to state mandates and has limited plan options. And you get no money back. With Aetna Funding Advantage, you can get money back and savings of up to 25 percent* on monthly payments. So you can control benefits costs simply and affordably. This means big savings and more money for your business.

Enjoy the benefits of Aetna Funding Advantage


You can save up to 25 percent* on monthly payments. So you can see cost savings that go straight to your bottom line.


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.


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.


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.

Savings for your small business

With Aetna Funding Advantage self-funding, you get benefits that you can’t get from ACA fully insured plans. Check this out:

  • Savings of up to 25 percent* on monthly payments
  • Opportunity for shared savings

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: 35 percent of groups have a surplus1
  • Year to date: average $8,200 surplus payout1
  • Year to date: 81 percent retention rate1

Health is the real win™

The Attain by AetnaSM app is a first-of-its-kind health experience designed in collaboration with Apple. It combines your health history with your Apple Watch® activity to offer personalized goals**, achievable actions and big rewards — like an Apple Watch or gift cards from popular retailers.

Is AFA right for me?

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

Tell me more

Discover how self-funding can help your business get money back.

Download product overview

Show me the money

Let’s talk numbers — how does Aetna Funding Advantage work?

Download financial worksheet

Quality care that’s close to home

Give your employees the care they need, when and where they need it. We’re offering eligible members access to covered MinuteClinic® services at no cost to them**.

Bring care close to home

Just in case

* Savings based on choosing an Aetna Funding Advantage plan over an ACA community-rated plan. Actual cost savings vary by location and previous claims experience.

** Goals and suggested health actions should not replace your doctor’s advice. If you have a medical condition that prevents you from meeting your goals, or if your doctor advises you not to take part in physical activity, there may be an opportunity for you to earn the same reward by different means. Please contact 866-820-3731 (TTY: 771).

1 Based on September 2017 to September 2018 AFA book of business data.

2 Based on full year 2018 AFA book of business data.

 Aetna Funding Advantage (AFA) plans are self-funded, meaning the benefits coverage is offered by the employer. Aetna Life Insurance Company only provides administrative services and offers stop loss insurance coverage to the employer.

Apple, the Apple logo, Apple Watch and iPhone are trademarks of Apple, Inc., registered in the U.S. and other countries.

Aetna is the brand name used for products and services provided by one or more of the Aetna group of subsidiary companies, including Aetna Life Insurance Company and its affiliates (Aetna).

Applies only to covered services at MinuteClinic. Members in indemnity plans are not eligible for this benefit. Such members should refer to their benefit plan documents in order to determine coverage and applicable cost-share for walk-in clinic benefits and services, as applicable. Visit minuteclinic.com for age and service restrictions. This is information is only for use with self-funded plans. Aetna and MinuteClinic, LLC (which either operates or provides certain management support services to MinuteClinic-branded walk-in clinics) are both within the CVS Health family. Aetna is not responsible for services received at MinuteClinic locations. Aetna is the brand name for products and services provided by Aetna Life Insurance Company and its affiliates. Available for new business or post 9/1/19 renewals.