The InCap® Solution for Group Life Insurance

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InCap

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.

Hand Holding Money Icon Distribution of Profits From Pool - Group Health Insurance Plans & Health Insurance for Employees

$10,509,695

New Distribution of Profits from Pool

Dollar and Arrow Icon for Unspent Captive Premium Dollars to be Returned - Group Health Insurance Plans Health Insurance for Employees

15.4% Profit Share

of Unspent Captive Premium Dollars to be Returned

People With Dollar Sign Icon - Total Claim Cost Savings for Group Health Insurance Plans Health Insurance for Employees

$71 Million

Total Claim Cost Savings Since Inception

Stack of Money Icon - Annual PBM Rebates for Group Health Insurance Plans Health Insurance for Employees

$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. Here are the savings you can typically expect:

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.

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