When you buy a health insurance policy, you’re joining a risk pool. Your insurance premiums and claims are mingled with all the insurer’s other customers.

Even if your health plan is running well, your premiums may go up if everyone else’s plans are running poorly. That’s because you’re sharing the risk and sharing the results.

The Fully Insured Pool

With a fully insured health plan, you don’t have any control over who’s in the risk pool with you. You’re swimming with strangers. It can be unpredictable and sometimes overwhelming at renewal time. One thing is certain – your risk pool will impact your future insurance costs, whether you like it or not.

The Self-Funded Pool

On the other hand, when you decide to self-fund your health plan and join a Group Captive program, you know who is in your risk pool with you. That’s because Captive programs generally attract companies that understand the importance of health risk management.

In a Group Captive program, you’re sharing a swim lane with other like-minded business leaders. It’s a controlled environment with companies who are leaning into employee wellness and proactive risk management. Berkley Accident and Health offers more than 40 different programs, enabling you to swim in a controlled environment that can more closely match your goals as an organization.

Ready to make the jump? Contact your broker advisor or Berkley Accident and Health today.

Stop Loss is underwritten by Berkley Life and Health Insurance Company and/or StarNet Insurance Company, both member companies of W. R. Berkley Corporation and rated A+ (Superior) by A.M. Best, and involves the formation of a group captive insurance program that involves other employers and requires other legal entities. Berkley and its affiliates do not provide tax, legal, or regulatory advice concerning EmCap. You should seek appropriate tax, legal, regulatory, or other counsel regarding the EmCap program, including, but not limited to, counsel in the areas of ERISA, multiple employer welfare arrangements (MEWAs), taxation, and captives. EmCap is not available to all employers and may not be available in all states. Payment of claims under any insurance policy issued shall only be made in full compliance with all United States economic or trade and sanction laws or regulation, including, but not limited to, sanctions, laws and regulations administered and enforced by the U.S. Treasury Department’s Office of Foreign Assets Control (“OFAC”).

BAH AD 2025-41       © Berkley Accident and Health     2/25