
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.

Captive insurance changes how employers absorb and manage healthcare costs. Group medical captives turn unpredictable claims into a controllable, transparent

A medical captive advisor helps employers evaluate self-funded captives, compare partners, and design a plan that protects against catastrophic claims

Level funding looks like self-funding from a distance but lacks claims transparency, vendor flexibility, and surplus return. Here are ten

Prescription drug prices are the fastest-growing cost in employer benefits. Self-funded plans give you the visibility and tools to bend

Group captives let employers share risk, return unused premium, and gain claims transparency. Here’s how that structure translates into real

A subrogation strategy recovers dollars that another responsible party should pay. Here’s how self-funded employers and captives build a plan

Organ transplants by the numbers: volume, average cost, and what self-funded employers should know about preparing for these high-impact, high-cost

Organ transplants are among the highest-cost claims any employer plan can face. Here’s how self-funded employers prepare with stop loss

Association health plans give small employers a path to group purchasing power. Here’s how they work and when self-funded captives

Choosing a TPA is one of the highest-leverage decisions in a self-funded plan. Here are the tips 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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