HEALTH CARE CAPTIVES: IS THE JUICE WORTH THE SQUEEZE FOR SF?
"Increasingly, small- to mid-size groups are joining with like-minded employers to form group medical captives. At their core, the goal of medical captives is to address the stop loss market access/dysfunctionality at the smaller end of the employer market, which is accomplished by providing a lower specific stop loss attachment point for employers with approximately[redacted]employees. These captives are sold with a promise to keep medical costs steady and more predictable from year-to-year by spreading the risk among multiple small- to mid-size employer groups.
But do all group captives live up to their promises? How should employers evaluate and avoid pitfalls? With all of the excitement, growth, and sales pitches in this space, it can be hard to discern exactly how these structures work and for whom they are delivering the most value. "
Two of my peers wrote a great white paper published in CFMA Building Profits (Mark Morris and Christian Moreno)
If this resonates with you, let's have a discussion about what this could mean for your company. The pros and Cons, the whole truth and and nothing but the truth.
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Robert D. [redacted]