The Richards Group is one of Vermont's and New England's top retirement and fiduciary advisors

TRG’s Proprietary Employee Benefits
Health Insurance Stop Loss Captive

For Employers with 30-500 employees.

Why: The traditional health insurance marketplace is broken, and now is the time to act.

  • Deteriorating traditional risk pools 
  • ACA taxes/fees and community rating
  • Poor population health management
  • High frictional cost of risk management
  • Stop loss volatility is difficult for small employers

What to expect? 

  • Pricing transparency and custom and customized reporting – no surprises at renewal.
  • Multi-Year Strategy – proactive vs reactive
  • Flexibility:  Plan design, TPAs, wellness vendors, etc.
  • Spread of risk over like-minded employers reduces volatility and stabilizes costs.
  • Receive underwriting profits, use to lower future fixed costs.

Contact:  Tom Scull