The Alliance is taking the next step toward helping members capture stop-loss savings by creating a medical stop-loss captive.

In 2017, The Alliance held a feasibility study to examine whether Alliance members were interested in forming a captive. The answer was clearly “yes.”

Taking the Next Step

While there was interest in forming a captive, some members were not ready to commit for 2018. Some were coming off a bad plan year; some wanted more information; and some wanted to wait and see what Alliance members who are captive participants had to say.

For 2018, members in ShareCap are participating in a Berkley Accident & Health medical stop-loss captive. This is a good interim step because The Alliance has selected Berkley to work with us to develop ShareCap.

We’re continuing to work with members to lay the groundwork for launching a members-only stop-loss captive in 2019.

Stop-Loss Education

As part of this process, you’ll see ongoing blog posts, webinars and other activities that will help educate members about stop-loss insurance and stop-loss captives. We want members to feel they are making an informed decision to use their cooperative power in a new way through an insurance captive.

Topics that we’ll address in the months ahead include:

  • Risk philosophy
  • How captives work
  • Risks and rewards of captive participation
  • Experience of Alliance members who have participated in a stop-loss captive



Analyzing Your Stop-Loss Ratio

We want this education to have a personal component for each member, so we’re also offering a no-obligation captive proposal for each member. This proposal includes a free analysis of your medical stop-loss ratio.

Sign this Letter of Authorization and we’ll do the rest of the work, which includes talking to your third-party administrator (TPA) to get claims data. When the analysis is complete, we’ll share the results with you and your broker.

If you have questions about the process, please contact me at 800.223.4139 x6645.

Get the Answers You Need

We recognize that medical stop-loss captives are a complicated concept. It’s our goal to use videos, graphics, frequently-asked questions (FAQs) and other tools to make it easier to understand the pros and cons.

Medical stop-loss captives will never be the right choice for every member in every plan year. But for a strong segment of Alliance members, we expect that exploring a medical stop-loss captive may be the next step toward capturing more savings from self-funding.

Learn More About Stop-Loss Insurance


Mike Roche

Mike Roche

Director of Business Development at The Alliance
Mike Roche joined The Alliance as member services manager in 2015. He is responsible for working with Alliance employers on health benefit strategies; sharing data-based information to help members manage their health care spend; and serving as a voice of member employers.

Mike has a strong background in health benefits and self-funding. He previously served as a regional sales advisor for Digital Benefits Advisors in Madison, Wis., where he managed the health benefits for more than 160 credit union clients across 14 states. Prior to that position, Mike worked at CUNA Mutual Group in their employee benefits division for almost 10 years as an employee benefits sales specialist.

Mike has a bachelor’s degree with a double major in marketing and business administration and is licensed in both health and life insurance in Wisconsin, Illinois, Iowa, Minnesota, Nebraska and Montana.

Read blog posts by Mike.
Mike Roche

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