
Employee Healthcare Benefits Reduce Cost Sharing
Lowering cost sharing in your health plan can reduce overall employee healthcare costs while improving access to higher-quality care. Here’s how it works.
Explore our blog resources to help employers and advisors understand the value of captive insurance.

Lowering cost sharing in your health plan can reduce overall employee healthcare costs while improving access to higher-quality care. Here’s how it works.

Benefits advisors are critical to self-funded employer health insurance. Here’s how to tell a good advisor from a great one and what to expect at renewal.

Browse the year’s top blogs: trends influencing health insurance costs, what to expect at renewal, understanding stop loss, and MCF 2021: Raising the Game.

Well-being programs improve employee health while reducing benefit cost. Here’s how strategic incentives drive participation and engagement that actually sticks.

Micro captives draw IRS scrutiny as inappropriate tax shelters. Group captives are an entirely different structure built for employer healthcare cost control.

Seven structural obstacles keep affordable health insurance out of reach for most mid-market employers. One group captive solution removes nearly all of them.
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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