
The Benefits Of Self Funded Health Insurance
The benefits of self-funded health insurance: claims transparency, vendor flexibility, surplus return, and protection against the volatility of fully insured renewals.
Explore our blog resources to help employers and advisors understand the value of captive insurance.

The benefits of self-funded health insurance: claims transparency, vendor flexibility, surplus return, and protection against the volatility of fully insured renewals.

Employers deserve more health insurance options than the renewal letter their carrier sends. Benefits advisors who lead with self-funding open the door.

Looking back and looking ahead: a Q&A with Mike Schroeder, president and founder of Roundstone, on the state of self-funded health insurance and group captives.

Is my company a good candidate for self-insurance? Use this checklist to evaluate workforce, claims, cash flow, and partner alignment before making the switch.

Roundstone marks a year of strong growth and momentum, expanding the captive program, advisor network, and the team supporting self-funded mid-market employers.

Is your healthcare benefits plan sustainable? Year-over-year cost increases say otherwise. Self-funded plans give employers the levers to bend the curve.

A group captive self-funded plan lets you customize coverage, contracts, and vendors. Here’s how to design yours to cut costs

Direct primary care gives employees unlimited access to a primary doctor for a flat fee, cutting ER visits and lowering

With Roundstone’s self-funded health insurance, you’re not shopping a fixed product. You’re designing a plan around your workforce, claims data,

Higher deductibles shift cost to employees and often backfire on engagement and retention. Self-funding offers a smarter path to controlling

GLP-1 medications are reshaping employer drug spend. Here’s what self-funded employers should know about coverage, eligibility, and managing the cost

More employers are choosing self-funded insurance to take control of healthcare spend. A group captive makes the model accessible even

Provider network choice shapes employee care, plan costs, and out-of-pocket spend. Here’s how self-funded employers pick the right one.

Pharmacy costs are rising faster than any line item in your health plan. Here’s how to choose a PBM that

Per-employee-per-year (PEPY) cost is the truest benchmark for whether your health plan is competitive. Here’s how to use it to

Your pharmacy benefit manager makes or breaks drug spend. Here’s how self-funded employers choose a PBM aligned with their interests,

A third-party administrator (TPA) is the backbone of any self-funded plan. Here’s how a TPA processes claims, manages eligibility, and

Finding the right TPA shapes claims accuracy, employee experience, and total spend. Here are 8 secrets self-funded employers use to

Wellness programs deliver measurable ROI through reduced claims, lower absenteeism, and stronger productivity. See how self-funded employers track and prove

For most CFOs, healthcare costs now eat directly into profitability. This Roundstone leadership study shows where the spend goes and

Healthcare cost containment finds waste, removes it, and keeps outcomes intact. Self-funded plans give you the claims data to do

Self-funding gives you the control, claims visibility, and flexibility to attack the cost drivers that fully insured plans actively hide

Effective cost containment starts with claims data, clinical care management, pharmacy optimization, and direct primary care partnerships working as one

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

If renewal season has you bracing for a double-digit increase, it’s time to look at self-funding. Here’s how the model

Renewal season is the moment benefit advisors prove their value. Here’s how to prepare with claims data, scenario modeling, and

Strategic incentives, education, and communication can increase wellness program engagement by 40-60%. Here’s how self-funded employers design programs that actually

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

The best health insurance for employees isn’t always the lowest sticker price. Self-funding aligns cost, coverage, and care for long-term

Culturally competent healthcare improves outcomes and reduces preventable claims. Self-funded employers can choose vendors and programs that actually serve their

Five recommended reads on workplace wellness, from behavioral health to chronic disease management, for HR leaders building healthier, more engaged

Customer experience at Roundstone is anchored in responsive service, proactive claims navigation, and the team that supports employers through every
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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