Here's what most companies don't realize: that premium isn't really insurance; it's rent. You pay it every year and, if your team stays healthy with barely any claims, the carrier keeps the difference. For a long time, the only way to change that math was to self-fund your own health plan, something usually reserved for big companies with deep pockets and their own risk teams.

A medical stop-loss group captive changes that. It's an insurance company owned by the businesses in it, including yours, so you get the same ownership and cost control as a self-funded plan, but with other member companies sharing the risk instead of carrying it alone. No in-house insurance team required.

Stop renting your health plan and start owning it - contact KT Captive Advisors today.