
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.

Stop-loss insurance protects self-funded employers from catastrophic claims by pooling risk with similarly sized businesses through a group captive plan.

Twenty percent of employees drive eighty percent of healthcare costs. Self-funded plans give you the data to manage chronic conditions

Self-funded health insurance lets employers pay claims directly, capture savings when employees stay healthy, and see exactly where every dollar

Specialty drugs are the fastest-growing line item in employee benefits. A self-funded plan gives you the visibility and levers to

Budgeting a self-funded health plan means understanding fixed and variable costs. Here’s how to plan spend and unlock savings through

A group captive lets like-sized employers pool risk, share data, and capture savings together. It’s the structural alternative to fully

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

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

Rising health insurance costs are driven by medical inflation, prescription drug spend, and chronic disease. Self-funding gives employers the tools

Cost containment in healthcare is the discipline of cutting waste without cutting care. Self-funded employers have the data and levers

Emerging trends in prescription costs, GLP-1s, specialty biologics, and PBM consolidation, are reshaping how self-funded employers budget for pharmacy spend.

Hospital costs are the biggest driver of healthcare spend. Here’s why prices keep climbing and how self-funded employers fight back

Cost-effective healthcare for employers comes from claims transparency, vendor flexibility, and partner alignment, not just lower premium prices at renewal.

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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