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Employer GuidePlan Funding & RiskPDF12 pages

Medical Captives: An Employer Guide to Smarter Self-Funding

Group captives allow employers to pool stop-loss risk with other like-minded companies — sharing savings, reducing volatility, and accessing data most carriers won't share. This guide covers captive mechanics, underwriting criteria, governance and reporting requirements, member obligations, and the questions to ask before joining.

Intended for

Self-Funded Plan Sponsors · CFOs and Business Owners

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Reviewed and updated for plan year 2026 ·

Medical CaptivesSelf-FundingRisk Management

PDF

Medical Captives: An Employer Guide to Smarter Self-Funding

PDF · 12 pages

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Source & Methodology

Based on SIIA captive guidelines and analysis of group captive structures across multiple domiciles.