At Forza Capital Advisors, we help businesses mitigate large, unpredictable medical claims through captive health insurance. Our medical stop-loss coverage protects employers from catastrophic costs by setting a ceiling on high-dollar claims, without overpaying for rigid traditional insurance. With this structure, you only pay for what you need, gain total visibility, and retain more of your unused premium each year.
Let’s discuss creating a flexible medical stop-loss policy that protects your business, without sacrificing employee benefits.
Not all captives are the same, and that’s a good thing. At Forza Capital Advisors, we offer both single-parent and group captive solutions for businesses pursuing medical stop-loss insurance. If you have $750,000+ in premium, a single-parent model gives you full control. If not, our group captive allows you to pool risk with similar companies and still access custom, cost-effective protection.
How is captive health insurance different from traditional group plans?
Unlike traditional insurance, Forza’s captive health insurance allows you to control claims, set your own coverage terms, and retain unused premium dollars annually.
Can my medical stop-loss policy include pharmacy or specialty claims?
Yes. At Forza, we can customize your medical stop-loss coverage to include high-cost areas like pharmacy benefits, specialty treatments, or recurring large claims.
Is a captive still worth it if I already self-fund my healthcare?
Absolutely. Forza helps self-funded employers strengthen their strategy with medical stop-loss insurance that’s more cost-efficient and far more flexible than typical carrier plans.
