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Health Care Captives: The Truth Behind the Pitch

For years, larger employers have turned to self-insured plans as a solution due to better pricing terms and lower taxes, less margin lost to insurance carriers, and more employer control over the plan design.

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 100-300 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.

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About the Authors

Christian Moreno

Christian Moreno is Senior Vice President at Lockton Dunning Benefits in Dallas, TX.

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Mark Morris

Mark E. Morris is Senior Vice President of Risk Finance at Lockton Companies located in Kansas City, MO.

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