Comparing both programs side by side over a one-year period the captive might appear to have more risk. Structure and protection is key to your solutions. Employers handle all incurred small claims up to a limit, the captive handles all medium claims up to a limit, and the reinsurance policy protects for all large claims.
Our solution is not a one-year solution. It looks at your risk long term and controls it. Simply put, if you’re unhappy with your current health insurance situation and have been putting your company’s well-being in the hands of the large insurance companies, whose interest do you think they are looking out for?