Peel the label off the can (or cans!) of sweetened condensed milk, place it in a pot or large saucepan, and cover it with water by 1 to 2 inches. Bring it to a very gentle boil, then reduce the heat to LOW, so that the water has a nice slow simmer.
A RealAge answered. A self-insured plan is a health plan offered by an employer who collects premiums from employees and assumes the responsibility and financial risk of paying the employees' and covered dependents' medical claims. Employers that offer self-insured plans tend to be large companies.
More than 3 in 5 U.S. companies are self-insured, and self-insurance is almost universal among large employers. About 91% of people in companies with 5,000 or more workers were in self-insured plans in 2014, compared with 15% of people in companies with fewer than 200 workers, according to the Kaiser Family Foundation. Fifteen years ago, only 62% of workers in companies with 5,000 or more employees were in self-insured plans.