{"id":54774,"date":"2024-06-12T15:48:16","date_gmt":"2024-06-12T19:48:16","guid":{"rendered":"https:\/\/roundstoneinsurance.com\/?p=54774"},"modified":"2024-07-29T11:38:16","modified_gmt":"2024-07-29T15:38:16","slug":"small-business-health-insurance","status":"publish","type":"post","link":"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/small-business-health-insurance\/","title":{"rendered":"How Our Group Medical Captive Provides a Lifeline for Small Business Health Insurance"},"content":{"rendered":"<p><strong>Highlights\u00a0<\/strong><\/p>\n<ul>\n<li>Roundstone\u2019s group medical captive provides small business health insurance to companies looking for affordable benefits.<\/li>\n<li>Our captive lets you pool funds with other similar-sized employers so you can self-fund your own healthcare insurance for employees.<\/li>\n<li>We offer a 100% guarantee that you\u2019ll save money on a group captive plan, letting you reduce your healthcare expenses and provide better coverage.<\/li>\n<li>Roundstone gives you greater flexibility, control, and transparency, helping you cut costs, provide better benefits, and boost employee well-being.<\/li>\n<\/ul>\n<hr \/>\n<p>&nbsp;<\/p>\n<p>Faced with escalating insurance costs, many small to midsize businesses (SMBs) feel trapped when it comes to providing <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/is-your-healthcare-benefits-plan-sustainable\/\">employee health benefits<\/a>, thinking options are limited or change is too risky. Changing providers is often complicated, and with only a handful of big-name insurers to choose from, it can feel like you\u2019re being tossed around in a storm with no safe harbor in sight.<\/p>\n<p>&nbsp;<\/p>\n<p>You may be wrestling with sky-high premiums or thinking about dropping health benefits. <a href=\"https:\/\/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\">Healthcare has become a top business expense<\/a> \u2014 second only to payroll. The price of providing employees benefits <a href=\"https:\/\/www.mercer.com\/en-us\/solutions\/health-and-benefits\/research\/national-survey-of-employer-sponsored-health-plans\/?size=n_20_n\">has increased 150% in the last 10 years<\/a>. It has become increasingly hard to find employees quality benefits at a rate you can afford.<\/p>\n<p>&nbsp;<\/p>\n<p>These tough decisions aren\u2019t just about numbers; they can also affect your employees\u2019 happiness and health. It also <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/could-self-funded-health-insurance-be-hrs-antidote-to-employee-dissatisfaction\/\">affects employee retention and morale<\/a>. Forbes Advisor <a href=\"https:\/\/www.forbes.com\/advisor\/business\/best-employee-benefits\/\">found that 40% of employers say they believe workers leave their job<\/a> to find employment that offers better benefits.<\/p>\n<p>&nbsp;<\/p>\n<p>Enter <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/about-roundstone\/\">Roundstone<\/a> \u2014 your lifeline in these rough waters. Our group medical captive solution provides an alternative that\u2019s affordable and effective. With Roundstone\u2019s <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/top-employer-health-insurance-options\">health insurance for small business<\/a>, you no longer have to feel like you\u2019re drowning.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2021\/09\/Is-Your-Company-a-Good-Candidate-for-Group-Captive-Insurance-Checklist.pdf?__mscta=3147_92678_13181\"><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-28867 size-full\" style=\"width: 100%;\" src=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/03\/is-captive-insurance-right-for-you.jpeg\" alt=\"is-captive-insurance-right-for-you\" width=\"1800\" height=\"514\" srcset=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/03\/is-captive-insurance-right-for-you.jpeg 1800w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/03\/is-captive-insurance-right-for-you-300x86.jpeg 300w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/03\/is-captive-insurance-right-for-you-1024x292.jpeg 1024w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/03\/is-captive-insurance-right-for-you-768x219.jpeg 768w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/03\/is-captive-insurance-right-for-you-1536x439.jpeg 1536w\" sizes=\"(max-width: 1800px) 100vw, 1800px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<h2>Throwing a Lifeline: Roundstone\u2019s Self-Funded Health Insurance<\/h2>\n<p><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/who-we-serve\/\">Countless SMBs find themselves adrift<\/a> in today\u2019s health insurance market. <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/health-insurance-cost\/\">Not only are premiums rising<\/a>, but the cost of healthcare services is increasing at a staggering rate. For instance, between 2004 and 2021, <a href=\"https:\/\/www.healthsystemtracker.org\/brief\/how-do-facility-fees-contribute-to-rising-emergency-department-costs\/\">emergency room fees in the U.S. have risen 531%<\/a>, which has increased the cost of services for ER visits.<\/p>\n<p>&nbsp;<\/p>\n<p>Roundstone offers the long-awaited lifeline that SMBs need to stay afloat in the face of inflation and changing healthcare needs. We understand the frustrations and challenges that SMBs face when seeking sustainable health benefit solutions. Our <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/group-captives-offer-freedom-of-choice\/\">group medical captive<\/a> is designed to provide flexibility, control, and cost savings to SMBs.<\/p>\n<p>&nbsp;<\/p>\n<p>It <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/why-self-fund\/\">represents a smarter, more efficient alternative<\/a> to the maze of traditional insurance, ensuring that you no longer have to go it alone with your employee health insurance plan.<\/p>\n<p>&nbsp;<\/p>\n<p>Our approach provides companies with <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/self-funded-insurance\/\">more control over their healthcare expenses<\/a>. By addressing the pain points many face with traditional options, such as rigid coverage, high premiums, and lack of data transparency, we help your business offer high-quality coverage at a reasonable cost \u2014 supporting our mission of a better life for all.<\/p>\n<p>&nbsp;<\/p>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-54775\" style=\"width: 100%;\" src=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/06\/presenting-benefits-of-small-business-health-insurance.jpg\" alt=\"presenting benefits of small business health insurance\" width=\"885\" height=\"450\" srcset=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/06\/presenting-benefits-of-small-business-health-insurance.jpg 885w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/06\/presenting-benefits-of-small-business-health-insurance-300x153.jpg 300w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/06\/presenting-benefits-of-small-business-health-insurance-768x391.jpg 768w\" sizes=\"(max-width: 885px) 100vw, 885px\" \/><\/p>\n<p>&nbsp;<\/p>\n<h2>The Lifeline in Action: How Our Medical Group Captives Work<\/h2>\n<p>Navigating health insurance can be challenging, but Roundstone Insurance offers a refreshing alternative that brings together the best of flexibility, affordability, and hands-on control \u2014 elements often missing when dealing with traditional insurance.<\/p>\n<p>&nbsp;<\/p>\n<h3>What Is a Group Captive?<\/h3>\n<p>A group captive insurance model essentially reimagines the insurance approach. Rather than paying fixed premiums to an external insurance company, organizations use <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/what-is-self-funded-insurance\/\">self-funded insurance<\/a>, setting aside funds in anticipation of future claims.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/how-it-works\/\">A group captive is a shared insurance pool<\/a>, where every captive member contributes funds to a shared savings account for healthcare costs.<\/p>\n<p>&nbsp;<\/p>\n<p>This model prioritizes transparency, giving direct insight into businesses\u2019 healthcare expenses and offering flexibility and control over costs. This provides a clear view of where their money goes and more say in how it\u2019s used.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2021\/09\/Is-Your-Company-a-Good-Candidate-for-Group-Captive-Insurance-Checklist.pdf?__mscta=3145_92678_13181\"><img decoding=\"async\" class=\"aligncenter wp-image-30713 size-full\" style=\"width: 100%;\" src=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/04\/cta-How-Much-Can-You-Save-with-Captive-Insurance_1800x.jpeg\" alt=\"How-Much-Can-You-Save-with-Captive-Insurance_1800x\" width=\"1800\" height=\"514\" srcset=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/04\/cta-How-Much-Can-You-Save-with-Captive-Insurance_1800x.jpeg 1800w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/04\/cta-How-Much-Can-You-Save-with-Captive-Insurance_1800x-300x86.jpeg 300w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/04\/cta-How-Much-Can-You-Save-with-Captive-Insurance_1800x-1024x292.jpeg 1024w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/04\/cta-How-Much-Can-You-Save-with-Captive-Insurance_1800x-768x219.jpeg 768w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/04\/cta-How-Much-Can-You-Save-with-Captive-Insurance_1800x-1536x439.jpeg 1536w\" sizes=\"(max-width: 1800px) 100vw, 1800px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<h3>How Does a Group Medical Captive Work?<\/h3>\n<p>Roundstone\u2019s group medical captive adapts the group captive insurance model for healthcare. By bringing together multiple employers, we create a collective insurance pool that offers the advantages typically reserved for big corporations. <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/meet-the-og-of-the-oc\/\">Roundstone created the industry\u2019s first group captive for self-funded insurance in 2005<\/a>.<\/p>\n<p>&nbsp;<\/p>\n<p>Our innovative approach creates more efficiency, better scaling, and cost-effective health insurance options, making it easier for all businesses to navigate the healthcare landscape.<\/p>\n<p>&nbsp;<\/p>\n<p>Here\u2019s how it works: When you join a group captive, we help you build a plan with specific coverages tailored to your unique needs. As part of the captive, you set aside funds in the group pool to pay for standard services. You are also protected by <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/understanding-stop-loss-insurance\/\">stop-loss insurance<\/a> against catastrophic or high claims.<\/p>\n<p>&nbsp;<\/p>\n<p>Our <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/roundstone-csi-dashboard\/\">cost containment teams<\/a> and claims dashboard provide real-time insights and data transparency, helping you understand spending patterns and make changes at any time. This approach ensures efficiency and makes navigating the healthcare landscape easier and more predictable.<\/p>\n<p>&nbsp;<\/p>\n<h2>The Roundstone Guarantee: Get Back Your Unused Premiums<\/h2>\n<p>For smaller companies, every dollar saved can mean the difference between growth and stagnation. Roundstone\u2019s is more than just an insurance model \u2014 it\u2019s a promise to businesses that they\u2019re gaining a genuine financial ally.<\/p>\n<p>&nbsp;<\/p>\n<p>Captive participants pay only for the healthcare they use, and the beauty of this model is that unspent captive premium dollars are distributed back to them every year. <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2023\/05\/The-Roundstone-Guarantee-Handout_may2024-1.pdf\">We guarantee<\/a> that you\u2019ll save money when you use our self-funded program \u2014 in five years of using Roundstone\u2019s model, you\u2019ll save money over a traditional insurance package, or we make up the difference.<\/p>\n<p>&nbsp;<\/p>\n<p>In fact, two-thirds of our customers save enough in the first four years to cover claims for their fifth year.<\/p>\n<p>&nbsp;<\/p>\n<p>We\u2019ve given back an <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/roundstone-celebrates-20-years-of-innovation-growth-and-a-better-life-for-all\/\">astounding $72 million<\/a> to our participants over the last 20 years \u2014 funds that traditional insurance models would have kept in their own pockets.<\/p>\n<p>&nbsp;<\/p>\n<p>Roundstone\u2019s commitment to this model is evident not just in words but in actions. We\u2019ve <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/roundstones-how-we-avoided-increasing-employee-contributions-for-8-years\/\">successfully self-funded our team\u2019s health insurance without shifting costs onto our employees for eight consecutive years<\/a>, giving us an edge in hiring and retaining talent.<\/p>\n<p>&nbsp;<\/p>\n<p>We proudly stand by our model, illustrating its tangible benefits for all.<\/p>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-54776\" style=\"width: 100%;\" src=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/06\/celebrating-new-of-small-business-health-insurance.jpg\" alt=\"celebrating new of small business health insurance\" width=\"885\" height=\"450\" srcset=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/06\/celebrating-new-of-small-business-health-insurance.jpg 885w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/06\/celebrating-new-of-small-business-health-insurance-300x153.jpg 300w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/06\/celebrating-new-of-small-business-health-insurance-768x391.jpg 768w\" sizes=\"(max-width: 885px) 100vw, 885px\" \/><\/p>\n<p>&nbsp;<\/p>\n<h2>Benefits of Grabbing the Lifeline: Take Back Control of Your Healthcare Spending<\/h2>\n<p>We know that navigating the healthcare landscape can be intimidating. With Roundstone, you get a guiding hand, transforming challenges into opportunities for savings and improved service.<\/p>\n<p>&nbsp;<\/p>\n<h3>Personalized Service<\/h3>\n<p>At Roundstone, our philosophy goes beyond just insurance; it\u2019s about forging genuine partnerships. Our <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/advisors\/\">advisors<\/a> and CSI Teams help you build your tailored plan based on your company\u2019s employee demographics and healthcare needs.<\/p>\n<p>&nbsp;<\/p>\n<p>This hands-on approach means <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/self-funded-doesnt-mean-youre-on-your-own\/\">you are never alone<\/a> \u2014 you can always turn to us for support in addressing challenges, such as unexpected claims, new coverages, or reducing costs.<\/p>\n<p>&nbsp;<\/p>\n<h3>Complete Transparency<\/h3>\n<p>Roundstone operates with an open-book philosophy. Our CSI Dashboard is a testament to this commitment, offering a real-time view of your spending. You can see where you\u2019re spending your money \u2014 such as the emergency department or <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/strategies-to-contain-the-rising-costs-of-pharmacy\/\">pharmacy<\/a> \u2014 and implement cost savings strategies to lower costs.<\/p>\n<p>&nbsp;<\/p>\n<p>No hidden surprises, just complete transparency that demystifies healthcare spending.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2021\/09\/Is-Your-Company-a-Good-Candidate-for-Group-Captive-Insurance-Checklist.pdf?__mscta=3146_92678_13181\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-47520 size-full\" style=\"width: 100%;\" src=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2023\/06\/can-captive-insurance-help-your-company-save-money-cta-jpg.webp\" alt=\"can captive insurance help your company save money\" width=\"1800\" height=\"514\" srcset=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2023\/06\/can-captive-insurance-help-your-company-save-money-cta-jpg.webp 1800w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2023\/06\/can-captive-insurance-help-your-company-save-money-cta-300x86.webp 300w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2023\/06\/can-captive-insurance-help-your-company-save-money-cta-1024x292.webp 1024w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2023\/06\/can-captive-insurance-help-your-company-save-money-cta-768x219.webp 768w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2023\/06\/can-captive-insurance-help-your-company-save-money-cta-1536x439.webp 1536w\" sizes=\"(max-width: 1800px) 100vw, 1800px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<h3>Control Over Plan Coverage<\/h3>\n<p>A &#8216;one-size-fits-all&#8217; approach? Not at Roundstone! We recognize the diverse needs of businesses. With us, you gain control over every facet of your plan design. We work with you to select your <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/7-secrets-to-finding-a-tpa-that-fits-your-needs\/\">Third Party Administrator<\/a> (TPA), <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/pharmacy-benefit-managers-your-self-funded-plans-secret-weapon\/\">Pharmacy Benefit Manager<\/a> (PBM), and best-fit vendors, ensuring that your coverage is precisely tailored to your needs.<\/p>\n<p>&nbsp;<\/p>\n<p>We can also help you find coverage for relevant needs like <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/telehealth-coverage-inspires-trust-in-health-insurance-plans\/\">telehealth<\/a>, <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/behavioral-and-mental-health-trends\/\">mental health<\/a> services, and chronic <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/how-clinical-care-management-can-lower-your-healthcare-costs\/\">care management<\/a>. This provides better healthcare for your team and can help boost morale and productivity.<\/p>\n<p>&nbsp;<\/p>\n<h3>100% Return of Unspent Claims Funds Pro Rata<\/h3>\n<p>Roundstone\u2019s commitment to value is unmatched. We champion the philosophy that businesses should reap the benefits of their prudence. That\u2019s why we guarantee a 100% return of unspent claims funds pro rata. It\u2019s about rewarding fiscal responsibility and putting the money where it truly belongs \u2014 back in your hands.<\/p>\n<p>&nbsp;<\/p>\n<h2>Grab the Lifeline: Get Affordable Small Business Health Insurance for Your Employees Today<\/h2>\n<p>Navigating healthcare doesn\u2019t have to be overwhelming. With Roundstone as your partner, you\u2019re grabbing a lifeline that promises major savings and superior healthcare options. Our model is proof that quality care and affordability can go hand-in-hand.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/what-your-fully-insured-insurance-carrier-doesnt-want-you-to-know\/?__mscta=3083_92678_13181\">Reach out to Roundstone<\/a> today and learn how making the switch can help you save thousands and provide better healthcare to your employees.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/what-your-fully-insured-insurance-carrier-doesnt-want-you-to-know\/?__mscta=3083_92678_13181\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-28836 size-full\" style=\"width: 100%;\" src=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/03\/The-guide-that-could-save-you-thousands.jpeg\" alt=\"The-guide-that-could-save-you-thousands\" width=\"1800\" height=\"942\" srcset=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/03\/The-guide-that-could-save-you-thousands.jpeg 1800w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/03\/The-guide-that-could-save-you-thousands-300x157.jpeg 300w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/03\/The-guide-that-could-save-you-thousands-1024x536.jpeg 1024w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/03\/The-guide-that-could-save-you-thousands-768x402.jpeg 768w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/03\/The-guide-that-could-save-you-thousands-1536x804.jpeg 1536w\" sizes=\"(max-width: 1800px) 100vw, 1800px\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p class=\"excerpt\">Highlights\u00a0 Roundstone\u2019s group medical captive provides small business health insurance to companies looking for affordable benefits. Our captive lets you pool funds with other similar-sized employers so you can self-fund your own healthcare insurance for employees. We offer a 100% guarantee that you\u2019ll save money on a group captive plan, letting you reduce your healthcare [&hellip;]<\/p>\n","protected":false},"author":27,"featured_media":54777,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1827],"tags":[],"class_list":["post-54774","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-employers"],"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>How Our Group Medical Captive Provides a Lifeline for Small Business Health Insurance | Roundstone Insurance<\/title>\n<meta name=\"description\" content=\"Discover what makes Roundstone\u2019s medical captive insurance the lifeline you need for cost-effective, quality small business health insurance.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Our Group Medical Captive Provides a Lifeline for Small Business Health Insurance\" \/>\n<meta property=\"og:description\" content=\"Discover what makes Roundstone\u2019s medical captive insurance the lifeline you need for cost-effective, quality small business health insurance.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/small-business-health-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"Roundstone Insurance\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/RoundstoneInsurance\" \/>\n<meta property=\"article:published_time\" content=\"2024-06-12T19:48:16+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-07-29T15:38:16+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/06\/reading-information-about-small-business-health-insurance-using-a-laptop.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1800\" \/>\n\t<meta property=\"og:image:height\" content=\"1201\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Roundstone Team\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:description\" content=\"Discover what makes Roundstone\u2019s medical captive insurance the lifeline you need for cost-effective, quality small business health insurance.\" \/>\n<meta name=\"twitter:creator\" content=\"@CaptiveInsurer\" \/>\n<meta name=\"twitter:site\" content=\"@CaptiveInsurer\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Roundstone Team\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/small-business-health-insurance\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/small-business-health-insurance\/\"},\"author\":{\"name\":\"Roundstone Team\",\"@id\":\"https:\/\/roundstoneinsurance.com\/excelsior\/#\/schema\/person\/28d7b1c151e45ae842e7bcf599d09a53\"},\"headline\":\"How Our Group Medical Captive Provides a Lifeline for Small Business Health Insurance\",\"datePublished\":\"2024-06-12T19:48:16+00:00\",\"dateModified\":\"2024-07-29T15:38:16+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/small-business-health-insurance\/\"},\"wordCount\":1419,\"publisher\":{\"@id\":\"https:\/\/roundstoneinsurance.com\/excelsior\/#organization\"},\"image\":{\"@id\":\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/small-business-health-insurance\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/06\/reading-information-about-small-business-health-insurance-using-a-laptop.webp\",\"articleSection\":[\"Employers\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/small-business-health-insurance\/\",\"url\":\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/small-business-health-insurance\/\",\"name\":\"How Our Group Medical Captive Provides a Lifeline for Small Business Health Insurance | Roundstone Insurance\",\"isPartOf\":{\"@id\":\"https:\/\/roundstoneinsurance.com\/excelsior\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/small-business-health-insurance\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/small-business-health-insurance\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/06\/reading-information-about-small-business-health-insurance-using-a-laptop.webp\",\"datePublished\":\"2024-06-12T19:48:16+00:00\",\"dateModified\":\"2024-07-29T15:38:16+00:00\",\"description\":\"Discover what makes Roundstone\u2019s medical captive insurance the lifeline you need for cost-effective, quality small business health insurance.\",\"breadcrumb\":{\"@id\":\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/small-business-health-insurance\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/small-business-health-insurance\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/small-business-health-insurance\/#primaryimage\",\"url\":\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/06\/reading-information-about-small-business-health-insurance-using-a-laptop.webp\",\"contentUrl\":\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/06\/reading-information-about-small-business-health-insurance-using-a-laptop.webp\",\"width\":1800,\"height\":1201,\"caption\":\"reading information about small business health insurance using a laptop\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/small-business-health-insurance\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/roundstoneinsurance.com\/excelsior\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How Our Group Medical Captive Provides a Lifeline for Small Business Health Insurance\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/roundstoneinsurance.com\/excelsior\/#website\",\"url\":\"https:\/\/roundstoneinsurance.com\/excelsior\/\",\"name\":\"Roundstone Insurance\",\"description\":\"Better Benefits. Better Life.\",\"publisher\":{\"@id\":\"https:\/\/roundstoneinsurance.com\/excelsior\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/roundstoneinsurance.com\/excelsior\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/roundstoneinsurance.com\/excelsior\/#organization\",\"name\":\"Roundstone Insurance\",\"url\":\"https:\/\/roundstoneinsurance.com\/excelsior\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/roundstoneinsurance.com\/excelsior\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i0.wp.com\/roundstoneinsurance.com\/wp-content\/uploads\/2020\/01\/NEW-Roundstone-Primary-Logo_Navy.jpg?fit=600%2C104&ssl=1\",\"contentUrl\":\"https:\/\/i0.wp.com\/roundstoneinsurance.com\/wp-content\/uploads\/2020\/01\/NEW-Roundstone-Primary-Logo_Navy.jpg?fit=600%2C104&ssl=1\",\"width\":\"600\",\"height\":\"104\",\"caption\":\"Roundstone Insurance\"},\"image\":{\"@id\":\"https:\/\/roundstoneinsurance.com\/excelsior\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/RoundstoneInsurance\",\"https:\/\/x.com\/CaptiveInsurer\",\"https:\/\/www.linkedin.com\/company\/roundstone\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/roundstoneinsurance.com\/excelsior\/#\/schema\/person\/28d7b1c151e45ae842e7bcf599d09a53\",\"name\":\"Roundstone Team\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/roundstoneinsurance.com\/excelsior\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2020\/11\/cropped-NEW-Roundstone-Partial-Logo_Navy.png\",\"contentUrl\":\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2020\/11\/cropped-NEW-Roundstone-Partial-Logo_Navy.png\",\"caption\":\"Roundstone Team\"},\"description\":\"Founded in 2003, Roundstone came together because of a shared belief that they could help employers adopt a different approach and positively impact bottom-line results.\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"How Our Group Medical Captive Provides a Lifeline for Small Business Health Insurance | Roundstone Insurance","description":"Discover what makes Roundstone\u2019s medical captive insurance the lifeline you need for cost-effective, quality small business health insurance.","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"en_US","og_type":"article","og_title":"How Our Group Medical Captive Provides a Lifeline for Small Business Health Insurance","og_description":"Discover what makes Roundstone\u2019s medical captive insurance the lifeline you need for cost-effective, quality small business health insurance.","og_url":"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/small-business-health-insurance\/","og_site_name":"Roundstone Insurance","article_publisher":"https:\/\/www.facebook.com\/RoundstoneInsurance","article_published_time":"2024-06-12T19:48:16+00:00","article_modified_time":"2024-07-29T15:38:16+00:00","og_image":[{"width":1800,"height":1201,"url":"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/06\/reading-information-about-small-business-health-insurance-using-a-laptop.webp","type":"image\/webp"}],"author":"Roundstone Team","twitter_card":"summary_large_image","twitter_description":"Discover what makes Roundstone\u2019s medical captive insurance the lifeline you need for cost-effective, quality small business health insurance.","twitter_creator":"@CaptiveInsurer","twitter_site":"@CaptiveInsurer","twitter_misc":{"Written by":"Roundstone Team","Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/small-business-health-insurance\/#article","isPartOf":{"@id":"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/small-business-health-insurance\/"},"author":{"name":"Roundstone Team","@id":"https:\/\/roundstoneinsurance.com\/excelsior\/#\/schema\/person\/28d7b1c151e45ae842e7bcf599d09a53"},"headline":"How Our Group Medical Captive Provides a Lifeline for Small Business Health Insurance","datePublished":"2024-06-12T19:48:16+00:00","dateModified":"2024-07-29T15:38:16+00:00","mainEntityOfPage":{"@id":"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/small-business-health-insurance\/"},"wordCount":1419,"publisher":{"@id":"https:\/\/roundstoneinsurance.com\/excelsior\/#organization"},"image":{"@id":"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/small-business-health-insurance\/#primaryimage"},"thumbnailUrl":"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/06\/reading-information-about-small-business-health-insurance-using-a-laptop.webp","articleSection":["Employers"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/small-business-health-insurance\/","url":"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/small-business-health-insurance\/","name":"How Our Group Medical Captive Provides a Lifeline for Small Business Health Insurance | Roundstone Insurance","isPartOf":{"@id":"https:\/\/roundstoneinsurance.com\/excelsior\/#website"},"primaryImageOfPage":{"@id":"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/small-business-health-insurance\/#primaryimage"},"image":{"@id":"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/small-business-health-insurance\/#primaryimage"},"thumbnailUrl":"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/06\/reading-information-about-small-business-health-insurance-using-a-laptop.webp","datePublished":"2024-06-12T19:48:16+00:00","dateModified":"2024-07-29T15:38:16+00:00","description":"Discover what makes Roundstone\u2019s medical captive insurance the lifeline you need for cost-effective, quality small business health insurance.","breadcrumb":{"@id":"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/small-business-health-insurance\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/roundstoneinsurance.com\/excelsior\/blog\/small-business-health-insurance\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/small-business-health-insurance\/#primaryimage","url":"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/06\/reading-information-about-small-business-health-insurance-using-a-laptop.webp","contentUrl":"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/06\/reading-information-about-small-business-health-insurance-using-a-laptop.webp","width":1800,"height":1201,"caption":"reading information about small business health insurance using a laptop"},{"@type":"BreadcrumbList","@id":"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/small-business-health-insurance\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/roundstoneinsurance.com\/excelsior\/"},{"@type":"ListItem","position":2,"name":"How Our Group Medical Captive Provides a Lifeline for Small Business Health Insurance"}]},{"@type":"WebSite","@id":"https:\/\/roundstoneinsurance.com\/excelsior\/#website","url":"https:\/\/roundstoneinsurance.com\/excelsior\/","name":"Roundstone Insurance","description":"Better Benefits. Better Life.","publisher":{"@id":"https:\/\/roundstoneinsurance.com\/excelsior\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/roundstoneinsurance.com\/excelsior\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/roundstoneinsurance.com\/excelsior\/#organization","name":"Roundstone Insurance","url":"https:\/\/roundstoneinsurance.com\/excelsior\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/roundstoneinsurance.com\/excelsior\/#\/schema\/logo\/image\/","url":"https:\/\/i0.wp.com\/roundstoneinsurance.com\/wp-content\/uploads\/2020\/01\/NEW-Roundstone-Primary-Logo_Navy.jpg?fit=600%2C104&ssl=1","contentUrl":"https:\/\/i0.wp.com\/roundstoneinsurance.com\/wp-content\/uploads\/2020\/01\/NEW-Roundstone-Primary-Logo_Navy.jpg?fit=600%2C104&ssl=1","width":"600","height":"104","caption":"Roundstone Insurance"},"image":{"@id":"https:\/\/roundstoneinsurance.com\/excelsior\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/RoundstoneInsurance","https:\/\/x.com\/CaptiveInsurer","https:\/\/www.linkedin.com\/company\/roundstone\/"]},{"@type":"Person","@id":"https:\/\/roundstoneinsurance.com\/excelsior\/#\/schema\/person\/28d7b1c151e45ae842e7bcf599d09a53","name":"Roundstone Team","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/roundstoneinsurance.com\/excelsior\/#\/schema\/person\/image\/","url":"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2020\/11\/cropped-NEW-Roundstone-Partial-Logo_Navy.png","contentUrl":"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2020\/11\/cropped-NEW-Roundstone-Partial-Logo_Navy.png","caption":"Roundstone Team"},"description":"Founded in 2003, Roundstone came together because of a shared belief that they could help employers adopt a different approach and positively impact bottom-line results."}]}},"jetpack_featured_media_url":"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/06\/reading-information-about-small-business-health-insurance-using-a-laptop.webp","_links":{"self":[{"href":"https:\/\/roundstoneinsurance.com\/excelsior\/wp-json\/wp\/v2\/posts\/54774"}],"collection":[{"href":"https:\/\/roundstoneinsurance.com\/excelsior\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/roundstoneinsurance.com\/excelsior\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/roundstoneinsurance.com\/excelsior\/wp-json\/wp\/v2\/users\/27"}],"replies":[{"embeddable":true,"href":"https:\/\/roundstoneinsurance.com\/excelsior\/wp-json\/wp\/v2\/comments?post=54774"}],"version-history":[{"count":9,"href":"https:\/\/roundstoneinsurance.com\/excelsior\/wp-json\/wp\/v2\/posts\/54774\/revisions"}],"predecessor-version":[{"id":54810,"href":"https:\/\/roundstoneinsurance.com\/excelsior\/wp-json\/wp\/v2\/posts\/54774\/revisions\/54810"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/roundstoneinsurance.com\/excelsior\/wp-json\/wp\/v2\/media\/54777"}],"wp:attachment":[{"href":"https:\/\/roundstoneinsurance.com\/excelsior\/wp-json\/wp\/v2\/media?parent=54774"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/roundstoneinsurance.com\/excelsior\/wp-json\/wp\/v2\/categories?post=54774"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/roundstoneinsurance.com\/excelsior\/wp-json\/wp\/v2\/tags?post=54774"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}