Level-Funded Plans (Captives)

Level-Funded Plans (Captives)

Level-funded and captive health plans combine the predictability of fully insured premiums with the potential savings and transparency of self-funding — a strategy increasingly popular with mid-size and large employers who want more control over their healthcare spend. Victor Insures You specializes in structuring level-funded and captive arrangements for large groups, running competitive RFPs across carriers that offer these programs, and modeling projected surplus returns against traditional fully insured alternatives. This is one of our core specialties for employers with 100+ employees looking for a smarter renewal strategy.