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 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 include seemingly every market segment, non-profits, and associations.
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