Already self-insured or level-funded? Enough! Health TPA administers your plan with Member Premium Reserve accounts held in each employee's name, Care Approved Card access, and self-pay pricing. Same employer funding structure — dramatically better employee experience.
Schedule a ConsultationA Third Party Administrator handles the day-to-day operations of your self-insured health plan — claims processing, compliance, employee communications, and reporting. Enough! Health TPA adds the Member Premium Reserve architecture — custodial accounts held in each employee's name, funded by premium allocation — on top of standard TPA services.
Employer retains insurance risk (self-insured). Enough! Health administers. Best for: employers already self-insured who want to add the Member Premium Reserve without changing their funding structure.
Employer transfers risk to Enough! Health (fully-insured). Best for: employers who want the Reserve architecture without taking on self-insurance risk.
Employer provides monthly allowance. Employees buy individual plans. Best for: employers who want maximum employee choice and budget predictability.
Not sure? Our implementation team will recommend the right structure for your headcount, risk tolerance, and state. Talk to an advisor →
Reserve account administration (individual employee custodial accounts)
Care Approved Card issuance and management
Self-pay pricing access and provider rate negotiation
Claims processing and adjudication
Stop-loss reinsurance coordination
ACA and ERISA compliance management
Employee onboarding and education
Monthly reporting and analytics
All-inclusive TPA administrative fee. No hidden fees.
Stop-loss reinsurance is priced separately based on your plan's attachment point and employee demographics.
employers@joinenoughhealth.comEnough! Health obtains TPA license in your state if not already licensed. This is a one-time regulatory step.
From signed agreement to employee enrollment: plan document preparation, Reserve account setup, Care Approved Card issuance, employee education.
Each employer's plan operates as an independent plan document and plan trust. Enough! Health TPA does not operate as a Multiple Employer Welfare Arrangement (MEWA). Each employer's plan is fully independent, legally separated, and ERISA-compliant.
A self-insured (or self-funded) plan means the employer bears the financial risk of paying employee health claims, rather than paying a fixed premium to an insurance company. Employers typically purchase stop-loss insurance to protect against catastrophic claims.
Not necessarily. Enough! Health TPA coordinates with your existing stop-loss carrier or can recommend providers. Adding Member Premium Reserve accounts does not fundamentally change your stop-loss structure.
Instead of the employer simply paying claims as they come in, a defined share of the monthly per-employee funding is allocated to individual employee Reserve accounts. Claims are paid from the Reserve first, then Plan Coverage, then stop-loss.
Contact us to learn if TPA services are available in your state.
If you are already self-insured with another TPA, switching to Enough! Health TPA administration follows a standard transition process. We handle the heavy lifting: data migration, stop-loss carrier coordination, eligibility file transfer, ERISA compliance documents, and employee communications.
Zero coverage gaps
Run-out arrangement with your current TPA covers all pre-transition claims.
Stop-loss continuity
We coordinate directly with your stop-loss carrier — written consent obtained before any transition begins.
ERISA compliance
We draft all required documents — SPD amendments, SMM, plan document updates — and file them on your behalf.
Data ownership
All your claims data is YOUR data. We extract it from your current TPA and migrate it into Enough! Health systems securely under HIPAA protocols.
We'll walk you through how TPA with Reserve administration fits your current plan structure.