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28 Feb 2018

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Captives Can Make Self-Insurance Work Better

Large firms often hold down health care costs by “self-insuring,” or funding their employees’ health expenses directly.

Your small-business clients should consider this strategy, too. Self-insuring gives clients a chance to take direct action to hold down their employees’ health care costs.

But how can a small employer cope with the administrative costs associated with self-funding, and how can a small employer overcome the disadvantage of having a very small risk pool?

One possible solution may be offering a small business the option of participating in a health “captive".

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