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Should You Join a Benefits Captive If You're Already Self-Funded?
NewfrontLink to more items from this source
Sept. 2, 2021

"[E]mployers who choose self-funding recognize that the years with lower claims cost will outweigh the years with high claims cost over a 5+ year period, leading to an overall lower healthcare cost for the employer.... While stop loss policies are not profitable for insurers every year, they are profitable in most years.... [By] joining a captive, the employer will receive a captive profit distribution when the stop loss captive policy is profitable."

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