Group Stop-Loss Captives Reimagined As A Single Company
Property and casualty group captives provide mid-sized employers with access to risk financing vehicles typically only accessed by larger, Fortune 1,000 companies. By banding together in a group captive, mid-sized employers can replicate the risk profile of larger employers. I’ve always thought of group captives as being a large company re-imagined.
I also see these larger employers gaining significant advantages for their employer-sponsored healthcare plans; managing cost drivers and achieving a 2%–3% annual medical cost trend increase that is more in line with general U.S. inflation, as compared to the more typical and unsustainable 10% average for medical cost trend. How do they do it?
In this whitepaper, we will cover:
- Healthy cooking for high performance
- Risk management maximized
- The group captive continuum
- Moving from dividend eligible stop-loss to a better way to finance stop-loss
- Some food for thought