Highlights   Many small to midsize employers consider objections to captive insurance, which could deter them from unlocking the benefits of self-funding. Employers are concerned about the risks and burdens of overseeing their employee health benefits plan, fearing it could expose them to financial vulnerability. With Roundstone’s group captive, businesses combine resources and buy stop-loss insurance, allowing them to spread risk while managing their own plan, so self-funding becomes a safe and viable option to save on benefits. Roundstone offers comprehensive support with pl ..read more

Highlights Because group stop-loss captives differ dramatically in collateral, cash distributions, and flexibility, many advisors prefer a single captive they recommend exclusively to clients.  Roundstone offers many advantages over other captives – lower collateral, lower fixed costs, and cash distributions returned to employers.  Faced with escalating healthcare costs, more employers are demanding solutions like stop-loss captives because the current model is unsustainable.      As Roundstone’s Executive Vice President of Sales, Rob Hamilton has clocked his fair sh ..read more

Highlights  Comparing a stop-loss captive vs. traditional insurance plan can help your small business find the most cost-effective employee benefits coverage. Traditional insurance can offer 12 months of predictable premium charges but is subject to widely fluctuating price hikes at renewal with little to no control or information as to what is driving costs. A stop-loss captive levels the playing field of risk, making self-funding a safe and predictable way for small to midsize businesses to save on premiums and offer better benefits to employees. With a stop-loss captive from Roundston ..read more

Highlights Roundstone’s in-house underwriters provide personalized access to the risk assessment of a self-funded health insurance plan – advisors and employers can benefit from their wisdom and experience.  Underwriting its own policies in-house allows Roundstone to take a more disciplined approach to underwriting, ensuring stable, more consistent renewals.    Whether you’re an advisor or employer, there’s something special about having personal, one-on-one access to your insurance policy’s underwriter, keeping them on speed dial, so to speak.    At Roundstone, you ..read more

Highlights Roundstone’s cost calculator provides a quick and easy understanding of the potential savings offered by a stop-loss captive in a self-funded health insurance plan.  Captive members tend to save about 20% annually by self-funding their benefits, compared to a traditional insurance plan.   Roundstone captive members save through a more cost-effective approach to benefits and utilize data-driven cost saving strategies to further improve the cost efficiency of their plans.      Why is health insurance so expensive? That’s likely a question you (or your c ..read more

Highlights  The U.S. has serious gaps in maternal health coverage for women compared to other industrialized nations. Women of color and underserved populations are at an even higher disadvantage, with a lack of access to high-quality coverage and providers. To promote maternal health at your company, you can use a self-funded health plan to implement women-focused healthcare strategies. Solutions like access to specialists, educational materials, and mental health support can help you see a more productive, happier, and healthier female workforce.   Maternal health is at the ..read more

Highlights   Top-tier benefits are one of the best ways to improve employee retention and prevent the expense of hiring and retaining your workforce. Group captives offer smaller companies a way to self-fund for better control and flexibility over healthcare benefits. With benefits like customized plan design, data transparency, and cost savings, Roundstone’s group captive model can help you provide high-quality benefits to your team. Choosing Roundstone guarantees savings after five years and can lead to improved employee retention, thanks to increased engasgement and job sat ..read more

Healthcare, by its very nature, provides a deeply personal service to us all. Yet, I’ve watched with growing concern as this essential service has become increasingly impersonal, driven by a labyrinth of intermediaries and misaligned incentives that distance it from the very people it’s meant to serve.    This rift not only impacts the quality of care delivered but it also results in untenable cost increases for employers who sponsor health plans for their employees. Employee contributions for family coverage increased 47% over the past decade, while employees’ satisfaction with thei ..read more

Highlights Roundstone’s Founder and President Mike Schroeder joined the Voices of Self-Funding podcast with host Ramesh Kumar to discuss why self-funded stop-loss captives have exponentially grown the small to midsize market for self-funded insurance. Roundstone avoids conflicts of interest by never taking commissions from vendors, PBMs, or TPAs – our priority is always to ensure the best outcome for the employer and the employees. Data in a self-funded plan provides invaluable insight into cost containment opportunities to optimize the savings of a self-funded health insurance plan.   ..read more

Highlights  While both can reduce healthcare spending, understanding group captive vs level-funded insurance can help you provide better employee coverage. Group captive insurance involves pooling your resources with other members to spread out the risk. Level-funded insurance is an alternative to conventional fully-funded insurance, offering cost-efficiency and improved data insights. However, its benefits are constrained. When comparing the two insurance options, consider cost structures, reporting, flexibility, coverage, return of unused premium, and benefit design.   Choo ..read more