Self Funding Challenges
Self-funding comes with real challenges around cash flow, partner selection, and employee communication. Here’s how mid-market employers solve each one in practice.
Self-funding comes with real challenges around cash flow, partner selection, and employee communication. Here’s how mid-market employers solve each one in practice.
Friends don’t let friends level fund. Here are ten reasons mid-market employers should skip level funding and move directly to a group captive.
If you only know one group captive, here’s why Roundstone should be the one. Track record, structure, and alignment with employer interests.
How much can you save by self-funding in a group captive? Use Roundstone’s cost calculator to model your savings against your current fully insured plan.
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.
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.
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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