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The Difference Between Captive Insurance and Self-Funding

March 22, 2023

We sometimes hear Captive Insurance and Self-FundingĀ used interchangeably, but they are in fact two separate employee benefits strategies. Let’s explore how are they similar and how are they different. Captives and Self-Funding are not Fully-Insured To begin, let’s be clear that both of these strategies are an alternative to a Fully-Insured Health Plan. With a …

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Using a Captive Health Insurance Company to Share Risk with a Community

February 7, 2023

Employers are facing unsustainable cost increases For many companies, healthcare costs including health insurance have become a top expense. It often goes payroll first, then healthcare benefits. It’s not uncommon for many employers today to face healthcare costs of $8,000 or more per year per employee. And healthcare costs have been steadily increasing, increasing 152 …

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