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Group Medical Captives: How Employers Pool Stop-Loss Risk (And What You Actually Own)
Group medical captives let 100–500 life employers pool the volatile middle layer of stop-loss risk with 10 to 30 other companies, share dividends when claims run well, and keep full control of their own plan design. Here's how the structure works, what you actually own, and when it beats standalone stop-loss.
Jul 21, 20266 min readRead →