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Health Insurance Captives

The traditional health insurance marketplace is broken; now is the time to act. The Richards Group has vetted and partnered with these exclusive programs for clients to better risk-manage self-funded health insurance. Let us help you create transparent, flexible, multi-year renewal strategies and spread the risk over like-minded employers, which reduces volatility and stabilizes costs.

Stop Loss Captives

Stop Loss Captives are important alternative funding programs structured to take advantage of the cash flow and risk-sharing aspects of self-funding but still possess the pooled risk protection of fully insured policies. By joining the right Captive, you can retain control over your plan designs, have greater transparency into your claims, and be exposed to vetted risk mitigation strategies. Additionally, Captives allows TRG to provide better customized solutions that align with your unique needs and financial goals.

Our 15+ years of experience with various alternative funding pools ensures that you participate in the right one for you.  In doing so, we can help you select the best opportunity for cost savings and long-term stability.