Home Captives

Employee Benefits Group Health Captives

Group health captives are the best opportunity for a mid-sized group (50 – 1000+) to truly impact employee benefit costs – without cutting the quality of your benefits program. Companies that are currently fully-funded on a premium basis can typically realize savings of 12% – 15% in the first year alone. Organizations that are self-insured can save because their risk is now mitigated by a much larger pool of participants.

A group health captive takes advantage of the economies of scale and negotiating strengths inherent in a large census to reduce insurance premiums, lower risk profiles, and optimize tax savings. An added benefit of captives is the distribution of potential underwriting and investment profits.

Group captive programs (also known as self-funding or self-insured plans) include seemingly every market segment, non-profits, and associations.

Contact us to learn more about employee benefits group health captives and our InCap® Solution.

Have a Question?

Have a Question

Discover the Clark & Lavey Difference


Tailored benefits that meet your needs, and service that exceeds your expectations. We provide optimal cost-effective solutions that deliver long-term value.


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.