{"id":53825,"date":"2024-04-02T10:38:51","date_gmt":"2024-04-02T14:38:51","guid":{"rendered":"https:\/\/roundstoneinsurance.com\/?p=53825"},"modified":"2024-07-29T11:46:46","modified_gmt":"2024-07-29T15:46:46","slug":"cost-calculator-how-much-can-you-save-with-self-funding-in-a-captive","status":"publish","type":"post","link":"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/cost-calculator-how-much-can-you-save-with-self-funding-in-a-captive\/","title":{"rendered":"Cost Calculator: How Much Can You Save with Self-Funding in a Captive?"},"content":{"rendered":"<p><strong>Highlights<\/strong><\/p>\n<ul style=\"font-weight: 400;\">\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"none\">Roundstone\u2019s cost calculator provides a quick and easy understanding of the potential savings offered by a stop-loss captive in a self-funded health insurance plan.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"none\">Captive members tend to save about 20% annually by self-funding their benefits, compared to a traditional insurance plan.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"none\">Roundstone captive members save through a more cost-effective approach to benefits and utilize data-driven cost saving strategies to further improve the cost efficiency of their plans.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<hr \/>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/why-is-health-insurance-expensive\/\"><span data-contrast=\"none\">Why is health insurance so expensive<\/span><\/a><span data-contrast=\"none\">? That\u2019s likely a question you (<\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/advisors\/\"><span data-contrast=\"none\">or your clients if you&#8217;re a broker advisor<\/span><\/a><span data-contrast=\"none\">) ask yourself every renewal season when a 20% to 40% increase hits. Typically, you aren\u2019t given a reason why, since you have no data insight into the plan. Just pay up or else. The pain is both palpable and frustrating.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/www.kff.org\/health-costs\/issue-brief\/americans-challenges-with-health-care-costs\/\"><span data-contrast=\"none\">The high cost of healthcare is squeezing employers across America<\/span><\/a><span data-contrast=\"none\">, and they can\u2019t afford to sustain much more. <\/span><a href=\"https:\/\/www.americanprogress.org\/article\/health-insurance-costs-are-squeezing-workers-and-employers\/#:~:text=In%202022%2C%20health%20insurance%20is,as%20part%20of%20employee%20compensation&amp;text=Graph%20of%202022%20employee%20compensation,of%20employee%20compensation%20after%20wages\"><span data-contrast=\"none\">Healthcare has become a top business expense<\/span><\/a><span data-contrast=\"none\">, second only to payroll. Over the last 10 years, <\/span><a href=\"https:\/\/www.mercer.com\/en-us\/solutions\/health-and-benefits\/research\/national-survey-of-employer-sponsored-health-plans\/?size=n_20_n\"><span data-contrast=\"none\">the cost of healthcare has increased over 150%<\/span><\/a><span data-contrast=\"none\">, according to a Mercer Survey \u2013 and is <\/span><a href=\"https:\/\/www.healthcarefinancenews.com\/news\/payers-could-see-7-spike-healthcare-costs-2024\"><span data-contrast=\"none\">projected to double in the next four years<\/span><\/a><span data-contrast=\"none\">.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Fortunately, employers have a solution. They can <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/how-self-funded-health-insurance-works\/\"><span data-contrast=\"none\">choose to self-fund their benefits<\/span><\/a><span data-contrast=\"none\">, something the Fortune 500 companies have done for decades because it\u2019s more affordable and sustainable. They only pay for the healthcare their employees need \u2013 they get to keep any unused spend.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Until recently, this option wasn\u2019t available to small to midsize businesses because they didn\u2019t have the risk predictability of a large employee population. But the group captive changes all that. It pools many small to midsize employers together so they can offset risk. With a captive, companies with only 25 employees can self-fund their benefits with the same confidence as a Fortune 500 company.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">With Roundstone\u2019s Captive, you are guaranteed to save over five years.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><br \/>\n&nbsp;<\/p>\n<p>The savings of Roundstone&#8217;s solution is real and verified. The Validation Institute <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/roundstones-captive-solution-for-employee-health-benefits-verified-by-validation-institute-for-cost-savings\/\">recently found that employers who participate in the Roundstone Captive for self-funding their group health insurance have lower per member, per year costs<\/a> than they would have paid for a fully insured plan.<br \/>\n&nbsp;<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"size-medium wp-image-54253 aligncenter\" src=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/05\/Validation-Seal-April-2025-for-Roundstone-Insurance-242x300.png\" alt=\"Validation Seal \u2013 April 2025 for Roundstone Insurance\" width=\"242\" height=\"300\" srcset=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/05\/Validation-Seal-April-2025-for-Roundstone-Insurance-242x300.png 242w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/05\/Validation-Seal-April-2025-for-Roundstone-Insurance-827x1024.png 827w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/05\/Validation-Seal-April-2025-for-Roundstone-Insurance-768x951.png 768w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/05\/Validation-Seal-April-2025-for-Roundstone-Insurance.png 985w\" sizes=\"(max-width: 242px) 100vw, 242px\" \/><br \/>\n&nbsp;<\/p>\n<p><strong><em>\u201cValidation Institute reviewed four years of data, which showed an employer\u2019s per member, per month cost averaged $675 less than what they could have paid for a fully-insured plan. This is significant savings for the employer,\u201d said Linda Riddell, Chief Data Scientist, Validation Institute.\u00a0<\/em><\/strong><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\">How Much Can You Save with Self-Funding? Let\u2019s Do the Math<\/h2>\n<p><span data-contrast=\"none\">So how much can you save with a group captive by self-funding your benefits? We\u2019re glad you asked. Our data specialists <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/cost-savings-calculator\/\"><span data-contrast=\"none\">made it easy for you with the Roundstone Cost Calculator<\/span><\/a><span data-contrast=\"none\">. Simply enter the number of employees you want to enroll and your current annual premium, and the app will quickly estimate your savings.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><br \/>\n&nbsp;<\/p>\n<p><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/cost-savings-calculator\/\"><img decoding=\"async\" class=\"alignnone wp-image-53718\" src=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/03\/Cost-Savings-Calculator-Blog-CTA_800x225-300x84.webp\" alt=\"Cost-Savings Calculator Blog CTA_800x225\" width=\"996\" height=\"279\" srcset=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/03\/Cost-Savings-Calculator-Blog-CTA_800x225-300x84.webp 300w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/03\/Cost-Savings-Calculator-Blog-CTA_800x225-768x216.webp 768w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/03\/Cost-Savings-Calculator-Blog-CTA_800x225-jpg.webp 800w\" sizes=\"(max-width: 996px) 100vw, 996px\" \/><\/a><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Typically, we find <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/how-to-switch-to-self-funded-insurance\/\"><span data-contrast=\"none\">our clients save 20% over traditional insurance<\/span><\/a><span data-contrast=\"none\">. Even if you do have a rough patch occasionally, other years will balance it out to about a 20% year over year average.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Keep in mind these savings will accrue substantially over time. That\u2019s why we\u2019re <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2023\/05\/The-Roundstone-Guarantee-Handout_may2024.pdf\"><span data-contrast=\"none\">confident in offering the Roundstone Guarantee<\/span><\/a><span data-contrast=\"none\">. In five years, you\u2019ll save money over a traditional plan, or we\u2019ll make up the difference.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">In fact, two-thirds of Roundstone clients save enough in their first four years to entirely pay for their fifth year of claims. And 100% save money, full stop.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\">Why You Save with Roundstone\u2019s Group Captive<\/h2>\n<p><span data-contrast=\"none\">Roundstone is able to deliver these savings because we offer a more cost-effective model, when you <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/self-insured-vs-fully-insured\/\"><span data-contrast=\"none\">compare self-funding against traditional, fully insured health plans<\/span><\/a><span data-contrast=\"none\">. You only pay for the healthcare you use \u2013 you get to keep what you don\u2019t spend, what would otherwise be pocketed by the insurance company as profit. You pay for the health insurance you actually deserve to pay.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">In Roundstone\u2019s self-funded insurance plans, any unused premium from employers\u2019 pooled captive funds is returned annually to employer clients on a pro-rata basis. Last year, <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/roundstone-reports-8-million-distributed-back-to-its-group-captive-participants\/\"><span data-contrast=\"none\">Roundstone paid $8 million in cash in unused claim spend<\/span><\/a><span data-contrast=\"none\">, pro-rata, back to members of its stop-loss captive.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Keep in mind not all captives work like this. Many don\u2019t pay distributions, or credit the unused spend for subsequent years. Roundstone <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/how-to-find-the-best-stop-loss-captive-for-your-employee-health-plan\/\"><span data-contrast=\"none\">pays its distributions in cash, six to seven months after the policy year concludes<\/span><\/a><span data-contrast=\"none\">.\u00a0\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">In a self-funded health insurance plan, roughly 85% of your costs are variable \u2013 meaning you have control over those costs and can lower them through data-driven cost savings solutions. You have high control over plan design. But under a fully insured plan, 100% of your costs are fixed \u2013 you pay up or else. Sure, it\u2019s predictable with a fixed monthly payment \u2013 but you can also predict getting squeezed again next year come renewal season.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Under a self-funded health insurance plan, you also can <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/emerging-healthcare-trends-for-prescription-costs\/\"><span data-contrast=\"none\">save substantially on your pharmacy costs<\/span><\/a><span data-contrast=\"none\">, if you use a <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/pharmacy-benefit-managers-your-self-funded-plans-secret-weapon\/\"><span data-contrast=\"none\">transparent, pass-through Pharmacy Benefits Manager<\/span><\/a><span data-contrast=\"none\"> who passes any potential savings onto you. Under a fully insured plan, any pharmacy savings stay with the carrier. Under a self-funded plan, every dime of savings is returned to you, including the rebates from the drug companies.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\">What is Data Driven Cost Containment? You\u2019re in Control of Your Savings<\/h2>\n<p><span data-contrast=\"none\">Ultimately, how much you save in a self-funded plan is up to you.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">That\u2019s the power of your data and analytics. In a self-funded plan, you have access to all the data that drives your plan, so you have insight into what drives claims. If you <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/what-is-a-tpa\/\"><span data-contrast=\"none\">work with a Third Party Administrator (TPA) that integrates cost savings data<\/span><\/a><span data-contrast=\"none\">, you can utilize this data to design cost-saving solutions and further optimize savings.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">You can analyze the data against national benchmarks to identify trends and then adjust your plan to improve savings and care quality.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">The beauty is you don\u2019t have to do this work yourself. <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/roundstone-csi-dashboard\/\"><span data-contrast=\"none\">Roundstone\u2019s team of Cost Savings Investigators (CSI)<\/span><\/a><span data-contrast=\"none\"> will analyze your data and make cost savings suggestions to improve plan savings.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Keep in mind these are only suggestions, not mandates, unlike other captives on the market. It\u2019s your plan to design as you wish.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\">Take Roundstone\u2019s Cost Calculator for a Spin<\/h2>\n<p><span data-contrast=\"none\">With the Roundstone Cost Calculator, you get an easy understanding of the potential savings of Roundstone\u2019s group captive model. This is great data you can quickly share with clients, or your CFO or CEO, so you can begin to see what\u2019s possible when you switch to a self-funded plan.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">These savings are just the beginning. Roundstone\u2019s approach to self-funding is designed for a long-term strategy. As you learn to use your data to further drive cost optimization, the potential for savings grows with the effort you put in.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Stop being a victim to America\u2019s health insurance crisis. <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/cost-savings-calculator\/\"><span data-contrast=\"none\">Take the Roundstone Cost Calculator for a spin<\/span><\/a><span data-contrast=\"none\"> and see what\u2019s possible. It could be just the beginning of a rewarding cost-saving journey that finally turns the tables in your favor. Your employees deserve great benefits \u2013 and you deserve a health insurance solution that\u2019s affordable and sustainable.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/cost-savings-calculator\/\"><img decoding=\"async\" class=\"alignnone wp-image-53718\" src=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/03\/Cost-Savings-Calculator-Blog-CTA_800x225-300x84.webp\" alt=\"Cost-Savings Calculator Blog CTA_800x225\" width=\"982\" height=\"275\" srcset=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/03\/Cost-Savings-Calculator-Blog-CTA_800x225-300x84.webp 300w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/03\/Cost-Savings-Calculator-Blog-CTA_800x225-768x216.webp 768w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/03\/Cost-Savings-Calculator-Blog-CTA_800x225-jpg.webp 800w\" sizes=\"(max-width: 982px) 100vw, 982px\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p class=\"excerpt\">Highlights Roundstone\u2019s cost calculator provides a quick and easy understanding of the potential savings offered by a stop-loss captive in a self-funded health insurance plan.\u00a0 Captive members tend to save about 20% annually by self-funding their benefits, compared to a traditional insurance plan.\u00a0\u00a0 Roundstone captive members save through a more cost-effective approach to benefits and [&hellip;]<\/p>\n","protected":false},"author":16,"featured_media":53864,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1830],"tags":[],"class_list":["post-53825","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-long-term-strategy"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v25.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Try Roundstone\u2019s Cost Calculator: See How Much You Can Save<\/title>\n<meta name=\"description\" content=\"Try our cost calculator to quickly see how much your company can save under a self-funded plan. 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