Roundstone Knowledge Center

A group captive lets like-sized employers share risk, return surplus, and access claims transparency that fully insured plans never provide. Here’s how it works.

The future of self-funded stop loss captives points to deeper claims data, integrated clinical care, and pharmacy strategy stacked under one captive structure.

Self-funded captive plans and level funded insurance both promise predictability. Only one returns surplus and gives you the claims transparency to act on data.

Group stop loss captives let employers self-fund while sharing catastrophic claim risk across a like-sized pool, returning unused premium back to the group.

Three macrotrends, rising drug spend, chronic disease, and carrier consolidation, are pushing more employers toward self-funded stop loss captives every year.

Switching to self-funded health insurance is more straightforward than most employers expect. Here’s the timeline, the partners involved, and how to set up your plan.