CloudsThere is no question that the world of healthcare in the United States is rapidly changing. The ACA has ushered in a slew of new regulations and rules that have left employers reassessing their employee benefits plans and funding structures. As a result, using captive insurance programs for employee benefit funding is becoming even more of a viable alternative for organizations looking for cost efficiency and long term rate stabilization.

The presentation below was developed by Spring partners Karin Landry and Teri Weber for yesterday’s Symposium on Captive Insurance in Connecticut. It looks at how captives have evolved and where they fit in to the current healthcare landscape. Also included are a couple of case studies of businesses that have used captives to address different operational needs.

We hope you find this presentation useful. Of course, if you have any questions about captives or would like to find out if a captive is right for your business, please contact us using the form below.

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Image credit: Karin Dalziel via flickr

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Karin Landry
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Karin Landry

Managing Partner at Spring Consulting Group, LLC
Karin Landry, ACI, CLTC, GBA is the Managing Partner for Spring Consulting Group. Karin has over 25 years of experience in the insurance, health care, risk financing, retirement and benefits industries. She is an internationally recognized leader in captive insurance strategy, benefits and financing. She is Past-Chairman of the Board of The Captive Insurance Company Association and a member of the ERISA Industry Committee and was recently appointed to the Board of Directors for Fallon Community Health Plan. She is also a Professor of Employee Benefits and member of the finance committee for the International Center of Captive Insurance Education part of the University of Vermont. Karin’s expertise around benefits allowed her to co-author a white paper for Business Insurance Magazine titled “Captives for Benefits: How to Use a Captive to Save Money and Enhance Benefits Coverage”, which is currently a top seller. Both Vermont and the US Virgin Islands asked Karin for input and guidance with their recent legislative changes. Prior to joining Spring, Karin was President of Watson Wyatt Insurance & Financial Services in the United States and Head of the Health & Welfare division for the eastern region.