Increases in healthcare cost. Increases in frequency of small workers compensation claims, cost of workers compensation premium and desires to keep your work force happy. Many of the issues can be solved by putting a deductible on a fully insured plan. There are also high deductible plans that can be utilized in a multiple state situation where you do not have enough employees to be completely self-funded. SCA can help you make decision in how to make these options work in your favor.