Case Study Medical Stop-Loss — Cutting Healthcare Costs in Half An aircraft parts and equipment manufacturer was participating in an Artex-managed group captive, covering their workers’ compensation, general liability and auto liability. They enjoyed the benefits that come from a member-owned captive, such as group purchasing power, reduced insurance costs and return of underwriting profits. The company was interested in achieving similar results from their healthcare insurance. Artex, along with their P&C and benefits brokers, suggested a medical stop-loss captive, which resulted in improved risk management and reduced insurance costs. The Situation The company was fully insured and had experienced annual rate increases in excess of 12% annually for their healthcare program. The

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