Health Benefits 101 Series: Captives in Medical Stop Loss - Options for Controlling Cost

Health Benefits 101 Series: Captives in Medical Stop Loss - Options for Controlling Cost

Presented by Dave Gillis

As healthcare costs continue to rise, captives in the medical stop loss arena are gaining momentum as a smarter, more strategic alternative to traditional markets. By bringing transparency and consumer education to the employer level, captives can empower businesses to take control of their healthcare spending. 

In the past, traditional stop loss coverage has gotten most of the attention, but it only accounts for 15-20% of overall employer healthcare costs. There is an opportunity to address costs by managing the other 80-85% of claims paid below stop loss levels. By implementing effective cost controls in this area, employers can create a powerful “trickle-up” effect that stabilizes both variable and fixed costs, leading to long-term financial sustainability. 

Join us for our Health Benefits 101 Series to discover how captives can transform your healthcare strategy and drive meaningful savings. 

Key Takeaways:

• You can’t manage what you can’t measure—know your fixed and variable healthcare costs.

• If you’re sharing risk, do it in a transparent environment where you understand the financials.

• Captives can help you find more control of your stop loss.

   

For Health Action Council members only
SHRM, HRCI, and CEBS credit available