
Captive Vs Self Insurance
Captive insurance and self-funded insurance overlap but are not the same. Here’s how a group medical captive complements a self-funded health plan.
Explore our blog resources to help employers and advisors understand the value of captive insurance.

Captive insurance and self-funded insurance overlap but are not the same. Here’s how a group medical captive complements a self-funded health plan.

Real healthcare cost savings come from claims transparency, smart vendor choices, and proactive clinical management. Self-funding makes all three possible.

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.
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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