"A benefits captive pools self-funded employers together to save on stop-loss insurance ... which could cut claim minimums by half -- from $50,000, which would be out of reach for many employers, to a much more manageable $25,000, for example. Individual employers take on risk below the minimum, and then transfer risk to the captive above that amount. Sharing risk is attractive to employers; however, this only makes sense if each member of the benefits captive is working equally hard to mitigate risk and keep claims low. There are a few ways to do this."  MORE >>