
Employer Health Benefits
Employer health benefits are the second-largest line item after payroll. Self-funding gives you the visibility and levers to manage that spend directly.
Explore our blog resources to help employers and advisors understand the value of captive insurance.

Employer health benefits are the second-largest line item after payroll. Self-funding gives you the visibility and levers to manage that spend directly.

Cost containment in healthcare is the practice of cutting waste, not coverage. Self-funded plans give employers the data and tools to make it work.

Group medical captives pool risk across like-sized employers, returning unused premium and protecting against volatility while controlling long-term healthcare spend.

Self-funded health plans succeed when employers combine claims data, clinical care management, and aligned partners. Here’s what success looks like in practice.

Turnkey health insurance gives small and mid-size employers a simplified path to self-funding with built-in cost containment and stop-loss protection.

Employee healthcare is the largest controllable line item on most P&Ls. Self-funded plans give you the data to manage spend and retain talent.

Why self-funding? Claims transparency, vendor flexibility, surplus return, and structural protection against the volatility that fully insured plans actively hide.

Self-funding comes with real challenges around cash flow, partner selection, and employee communication. Here’s how mid-market employers solve each one

Friends don’t let friends level fund. Here are ten reasons mid-market employers should skip level funding and move directly to

Roundstone’s captive solution for employee health benefits is verified by the Validation Institute for measurable cost savings and member outcomes.

Captive essentials: how self-funding inside a group captive lets mid-market employers pool risk, return surplus, and control healthcare spend over

Captive insurance still draws predictable objections from employers. Here are the top five and how to address them with data,
Self-funding means an employer pays for their employees’ healthcare claims directly instead of paying fixed premiums to an insurance carrier.
A medical group captive is a self-funded model where small and mid-sized employers join together to access financial advantages, share risk and gain greater stability.
Stop-loss insurance protects self-funded employers from large or unexpected claims. It caps financial risk so one high-cost event doesn’t significantly impact your overall healthcare spend.
Health insurance costs rise due to increasing healthcare prices, higher utilization, and lack of transparency in traditional models. Learn how self- funding through a captive can help offset these trends.
Cost containment includes strategies that reduce unnecessary healthcare spending while maintaining quality care. Read how tactics like claims analysis, preventative care, and pharmacy cost management can reduce spend.
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