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if youre an employer shopping for group health insurance youll find there are a few different types of health plans were going to focus on one special kind of group health plan today aso or administrative services only plans aso plans also called self-funded plans provide more flexibility and financial control for an employer aso plans could be customized specifically for an employer which typically isnt an option when choosing a fully insured health plan from an insurance company aso plans could be a ppo hmo or pos just like a fully insured plan the real difference is how the claims are paid and who holds the risk under a fully insured health plan an employer or organization pays an insurance company a premium to cover claims and administrative costs with an aso plan an employer pays monthly fixed costs such as administrative fees and reinsurance premiums and then pays for any claims out of its own designated account because the employer is paying the claims this type of a plan c