Captives

Captives

Not only do we help our clients in the traditional fully insured process, we also take great pride in cutting costs for our ~50-500 groups via our partnership with ParetoHealth and their captive solutions. If you are unfamiliar with group benefit captives, they are a pool of like minded employers who are self funded and help to support each other. It is a collective form of a self funded approach that removes the premium payments away from your traditional insurance carriers in a typical fully insured plan. It is a relatively easy switch due to the fact that you typically do not have to change your carrier or your available plans. Rather, we alter how you finance your benefits on the back end. Our clients in ParetoHealth’s group benefits captive spend less money on insurance in 80% of years compared to what they would have spent on a typical fully insured plan. Over time, you cut costs extraordinarily while taking control of your benefits solutions.