Self Funded Insurance
More employers are choosing self-funded insurance to take control of healthcare spend. A group captive makes the model accessible even to small companies.
More employers are choosing self-funded insurance to take control of healthcare spend. A group captive makes the model accessible even to small companies.
Cost containment in healthcare is the practice of cutting waste, not coverage. Self-funded plans give employers the data and tools to make it work.
Employee healthcare is the largest controllable line item on most P&Ls. Self-funded plans give you the data to manage spend and retain talent.
Self-insured plans give employers control over claims, vendors, and spend. Fully insured plans hide the data. Here’s how the two models compare.
A medical captive advisor helps employers evaluate self-funded captives, compare partners, and design a plan that protects against catastrophic claims long term.
Hidden fees in employee benefits plans quietly bleed your budget. Here are the top five charges to identify and renegotiate before your next renewal.
A medical group captive is a self-funded health insurance model where employers share risk to gain stability, transparency, and buying power.
Employers using fully-insured pay a fixed premium for the carrier to take 100% of the risk and keep any profits. Captives allow employers to band together to control costs and receive refunds for better-than-expected claims.
Employers using level-funded pay a fixed monthly fee to cover administrative, claims, and stop-loss insurance expenses. Any surplus may be partially refunded at the carrier’s direction. With captives, you gain control—full data ownership, plan flexibility, and the ability to keep any savings.
Roundstone works with employers ranging in size from 25 to 1,000+ eligible employees.
Yes, with the right partners, transitioning to self-funding is easy. Roundstone assigns a dedicated Customer Outcomes Manager to guide clients through the process. Your third party administrator (TPA) then handles day-to-day administration and claims.
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