Pareto Captive Blog > Articles by: Pareto

Too often, employees opt to neglect their health and avoid routine medical care rather than miss time at work. Employers can discourage this mindset by providing accessible primary care and incentivizing regular check-ups. Andrew Cavenagh explains why prioritizing health helps both employers and employees avoid the high costs of untreated illness.

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Frustrated by rising healthcare costs and desperate for a solution, four employers discovered a better option: self-insurance through the captive insurance model.  Joining the captive reduced costs, gave them the data and control to be smarter consumers of healthcare, and allowed them to improve benefits offerings for their employees.

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Bloomberg BNA surveys why small and mid-size companies are fleeing the fully insured market in favor of self-insured health plans. Three Pareto Captive Members – AEgis Technologies Group, Service Uniform, and Hardwood Products – weigh in, sharing their perspectives and how self-insurance reduced costs for their companies, and for their employees.

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Andrew Cavenagh explains that a functioning individual insurance market is critical, as businesses would face significantly higher health costs if the individual market implodes.  In this day and age of partisan stalemates, he encourages lawmakers to do the unthinkable and work together to find a solution.

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