Medical Stop-Loss Captives

In today’s healthcare landscape, rising medical costs and volatile claims trends pose significant financial risks for employers who self-fund their health insurance plans. A medical stop-loss captive offers an innovative solution, enabling companies to better manage these risks while gaining more control over their healthcare expenses.

At Creative Captive Solutions LLC, our medical stop-loss captive programs allow businesses to pool their health plan risks with other like-minded employers. This strategic collaboration not only increases purchasing power but also provides greater predictability in managing high-cost claims. By joining a captive, employers can benefit from reduced insurance premiums and the ability to retain profits that would otherwise go to traditional carriers.

Key Benefits of Medical Stop-Loss Captives

Risk Sharing and Stability

By joining a captive, employers share high-cost medical claims, reducing the financial impact of large or unexpected claims on any one member.

Profit Retention

With fewer claims or better-than-expected performance, participants share in the underwriting profits that would typically go to an insurer in the traditional stop-loss market.

Cost Efficiency

Employers can potentially lower stop-loss premiums, compared to purchasing stop-loss insurance from the open market, as captives offer collective buying power and tailored stop-loss coverage.

Customized Risk Management

Group captives offer more flexibility in designing coverage and risk control strategies tailored to the specific needs of the member companies. Each member has input into decisions, ensuring that the group’s risk management strategies are relevant and effective.

Is a Medical Stop-Loss Captive Right for Your Business?

If you self-fund your employee health plans and are seeking long-term cost stability while maintaining the flexibility of stop-loss protection, our medical stop-loss captive programs could be an ideal fit. Our captives are designed for forward-thinking companies ready to take control of their health plan risks and capitalize on potential financial rewards.