Stop-Loss Captives: A Smarter Risk Strategy for Public Sector Healthcare Plans
Across the country, public employers are facing increased healthcare volatility and shrinking budgets. As plan costs rise and risk grows more unpredictable, traditional fully insured and individual self-funded models often fall short. Enter the stop-loss captive—a structured, shared-risk model that brings public employers together to manage costs more effectively. What Is a Stop-Loss Captive? At […]
Beyond Medical: How Ancillary Benefits Drive Recruitment, Retention, and Resilience
When most public employers think of employee benefits, they often focus on health insurance. But there’s a growing realization across local governments, school districts, and public agencies: ancillary benefits matter more than ever—not just for workforce satisfaction, but for strategic resilience. What Are Ancillary Benefits? Ancillary benefits refer to non-medical offerings that support employees in […]
