by Bri Borey | Nov 18, 2025 | Articles
Introduction Hospitals, health systems, and physicians were some of the earliest adopters of captive insurance, opting to use captives for their medical malpractice risks. Today, these healthcare providers remain some of the largest industry sectors of the captive...
by Bri Borey | Oct 27, 2025 | Articles
One of the most common questions when an employer looks to join a medical stop loss captive is: “Why do I need to post collateral in addition to the premium I pay?” The need for collateral is a major difference between a captive program and a traditional insurance...
by Bri Borey | Oct 3, 2025 | Articles
Introduction 63% of covered US workers are enrolled in a self-funded health plan, according to the 2024 Kaiser Permanente Employer Health Benefits Survey. This includes 61% of covered workers at firms with 200 to 999 employees as well as a full 20% of workers at...
by Sandra St Onge | Jul 31, 2024 | Articles
In the final installment of our series on the COST advantages of group captives in managing an employer’s total cost of care, we focus on the “T” for Trust. While Community, Ownership, and Stability address general characteristics of group medical...
by Sandra St Onge | Jul 30, 2024 | Articles
In the third installment of our series exploring the COST advantage of group captives in managing an employer’s total cost of care, we delve into the “S” for Stability. Medical stop loss coverage can exhibit significant volatility, with health...
by Sandra St Onge | Jul 22, 2024 | Articles
In the second installment of our series on the COST advantages of group captives for managing employer healthcare expenses, we focus on the “O” in COST: Ownership. In the realm of stop-loss insurance, differentiation among carriers and providers has...
