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Employee Benefits Stop Loss Captives

Think outside of traditional benefits and discover a new approach with group benefits.
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Self-Fund and Replicate the Size and Stability of Single, Larger Employers

Health insurance is risky – especially if you run a small business. If you have 50 employees and three of them get cancer, your premiums can become quite expensive.

Employee benefits stop loss captives help you de-risk your benefits plan by leveraging the law of large numbers. An employer can team up with other organizations of a similar size to group their employees together. Working with larger numbers will lower your company’s overall risk levels and stabilize annual healthcare costs.

The Solution: Horton Health.

The Horton Health program was designed specifically with small and midsize companies facing this challenge. Horton Health is a turnkey program, making it easy to join with low insurance costs and administrative requirements.

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Advantages of Employee Benefits Stop Loss Captives



There are greater options for you to shift, and you can leave whenever you feel it is a good time to do so.

Power in Numbers

A larger data pool will give you more control when it comes to data transparency and structural optimization.

Long-Term Investment

Employee benefit stop loss captives can result in decreased state taxes and reduced or eliminated state-mandated coverages.


All group captives require that the members post an appropriate amount of collateral, which protects the group from member-to-member credit risk.

How Many Groups Can Be in a Group Stop Loss Captive?

The majority of captives are group stop loss captives, which typically require at least three groups and a total of 500 employee lives.


What Are Our Captive Options? What Provider Networks are Available?

While some captives are designed with a certain TPA or network in mind, one of the great things about captives is that the parameters for member groups are determined by the captive members themselves. While some captives are homogenous in that they are all in a similar industry or all utilize a certain network, others are heterogeneous and allow for members to utilize whatever network and TPA they would like. The only common theme in heterogeneous captives is the stop loss carrier.


Do You Qualify?

If you are considering implementing this risk management tool for your company, ask yourself these three questions:

  • Do I have at least 50 employees?
  • Would you want to be self-insured right now or in the future?
  • Are you looking for a way to stabilize your overall risk?

If you answered “yes” to the above, employee benefits stop loss captives may be a good fit for you.

Reach Out to an Expert

Our account is handled very well from a sales standpoint. I think our agents do a great job marketing our business and push to sell our story in order to get us the best coverage that meets our needs.

Customer service is excellent. Our contacts always help me and our employees to get the answer they need.

Start Planning Your Captives Journey

Group Captives are valuable strategic risk management tools – but not all captives are the same. Each one has its own characteristics and “personality,” which reflects the preference of the members in that particular group.
Every business is unique and requires its own set of insurance solutions. We can determine if you qualify for help you develop a captives proposal to help de-risk your current plan. Set up an appointment today with a Horton benefits consultant below to start a conversation.

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People First Insurance Brokers

Find out how our services can assist you in becoming better prepared and protected for what comes next.

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Jason Haas, Taft-Hartley, insurance broker.