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If you're an employer exploring group health insurance, there are various options available, particularly focusing on Administrative Services Only (ASO) plans. ASO plans, also known as self-funded plans, offer greater flexibility and financial control as they can be tailored specifically to an employer's needs, unlike fully insured health plans. ASO plans can take the form of PPO, HMO, or POS. The key distinction lies in claims payment and risk: in fully insured plans, employers pay premiums to insurers for claims coverage, whereas in ASO plans, employers pay fixed monthly costs and cover claims directly from their own funds, which allows better cost management and customization.