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The Handbook of Employee Benefits: Health and Group Benefits 7/E by Jerry Rosenbloom

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CHAPTER 30Funding Health Benefits: Self-Funded and Captive Arrangements

Richard L. Tewksbury

Timothy J. Luedtke

As health care expenses increasingly became a bigger and bigger portion of a business’ cost structure during the late 1970s and early 1980s, business owners sought ways to retain greater control and flexibility with the working capital associated with their health insurance programs. Initially, as discussed in Chapter 29, they sought control over claim costs and any associated investment income by delaying premium and claim payment through retrospective premium, minimum premium, experience-rated, and other alternative insured programs.

As business owners become ever more comfortable with the potential volatility associated with health ...

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