Case Study: Transitioning to Self-Funding With a Medical Stop-Loss Group Captive

In the dynamic landscape of employer-sponsored health plans, mid-market businesses often face challenges with traditional stop-loss insurance, including high deductibles and inconsistent rating practices.

This case study explores how a mid-sized employer successfully transitioned from a fully insured health program to a self-funded model by joining a medical stop-loss group captive, ultimately achieving greater predictability and stability in managing healthcare costs. With expert insights and a structured approach, this strategic move resulted in significant cost savings and financial benefits, including improved renewal rates and substantial distributions from closed policy years.

This case study highlights the effectiveness of group captives in offering a sustainable self-funding approach for mid-sized employers.