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Captive health insurance throughout the Susquehanna Valley.

Are you wondering if a benefits captive may help you reign in healthcare costs for your organization? We answer with a resounding yes. This creative approach will change your bottom line costs within your organization.

A benefits captive seeks to unite like-minded employers who want to better control healthcare costs by:

  • Eliminating insurance carrier profits
  • Utilizing healthcare claims data to control medical costs and risks
  • Eliminating health insurance premium taxes

Employers are trying to find creative ways to contain costs, sidestep certain ACA requirements, and take control of their employee benefits. For many, the solution is self-funding.

Self-funding brings it set of challenges, mainly the need to purchase stop-loss insurance which often includes high deductible limits and premium rates that are far too onerous for businesses.

Enter benefits captives. A captive is a group of employers that unite to insure the medical risks of its participant organizations. They pool self-funded employers together to save on stop loss insurance. Benefits captives aren’t right for everyone, but they are a good option for an established employer willing to weed through the complexity and take the long view of benefits in order to contain costs.

Pareto Captive

Let’s discuss your captive health insurance.

One of our benefits advisors will reach out to you to review your information and present you with the appropriate captive health insurance solution. There’s no obligation, just good-old-fashioned advice.
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BCF Group offers comprehensive captive health insurance in Pennsylvania and Maryland.
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