Hilb’s InCap® health care captive program provides a solution to escalating health premium costs. InCap provides an alternative to traditional, fully-insured health insurance plans that require fixed insurance premiums to an insurance carrier who keeps the annual profit. Instead, InCap profits are annually distributed to member companies.
$10,509,695
New Distribution of Profits from Pool
15.4% Profit Share
of Unspent Captive Premium Dollars to be Returned
$71 Million
Total Claim Cost Savings Since Inception
$758,995
Average Per Year in Annual PBM Rebates
InCap Health Care Captive Program is Your Prescription for Captive Success
InCap provides an array of benefits that member companies enjoy every year. The benefits of participating the InCap health care captive program include:
- Control of your plan’s benefits design
- Avoidance of unanticipated rate increases
- Data, cost, and communications transparency
- No burdensome plan negotiation
- Pooling of claims to control volatility and cash flow
- Retention of underwriting profit and investment income
Enjoy Cost Savings as an InCap Health Care Captive Program Member
InCap offers some of the lowest premium costs available for both employers and employees. Simply, Hilb’s InCap health care captive program provides coverage for, and is controlled by, its owners. InCap utilized the negotiating power of a large pool of participants to reduce insurance premiums, lower risk, and optimize tax savings. Plus, captive insurance program participants can enjoy the distribution of potential underwriting and investment profits.
Start Saving, Join InCap Today
InCap is your solution for increasing healthcare costs. Contact us to learn more about our health care captive program and see if your business would be a good fit. Our helpful team would love to help address your needs.
Have a Question?
Discover the Clark & Lavey Difference
Benefits
Tailored benefits that meet your needs, and service that exceeds your expectations. We provide optimal cost-effective solutions that deliver long-term value.
Webinars
We invite you to join us for topical webinars on compliance, funding strategies, HR technology and the latest trends impacting employee benefits.
HR Support
Whether it’s day-to-day issues, strategic planning, or anything in between, our extensive HR services and Practice Leader are here with help and support when you need it most.