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Small to mid-sized companies between 50-500 employees have historically found themselves in a difficult situation. Should they fully insure or self-insure their health plan? If the decision is to fully insure, employers encounter annually increasing premiums. This is due to medical trend, health care reform fees such as the Federal Insurer Fee, and fixed costs which include state premium taxes and built-in profit margin.
Conversely, if the decision is to move to a self-insured plan, many firms worry about the increased financial risk. Employers with a low specific stop loss deductible will pay high premiums for those lower thresholds. However, if the deductibles are increased, the potential claims risk also rises. Enter the group health captive.
