
Micro Captives Vs Group Captives
Micro captives draw IRS scrutiny as inappropriate tax shelters. Group captives are an entirely different structure built for employer healthcare cost control.
Explore our blog resources to help employers and advisors understand the value of captive insurance.

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.
Group medical captive insurance lets small to mid-size companies share self-funded risk, return surplus, and gain control of skyrocketing healthcare expenses.

Group medical captive insurance pools risk across like-sized employers, returns unused premium, and gives members the claims transparency to control costs.

The Health Rosetta Summit brings together advisors, employers, and innovators choosing a better future for healthcare benefits through transparency and aligned design.

Self-funded doesn’t mean you’re on your own. The right captive partner, TPA, and clinical team turn self-funding into a fully supported employer strategy.
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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Hear candid conversations and real-world insights from industry experts shaping the future of healthcare funding.
Explore in-depth guides covering captive insurance, healthcare costs, and strategies for long-term savings.
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