Captive Insurance

Hospitals are managing growing cost pressure, increased claims volatility, and a more complex risk environment across both employee benefits and Property and Casualty programs. Alternative risk financing and captive insurance strategies give MHA members greater control, transparency, and long‑term stability across their total cost of risk.

Why MHA Solutions

MHA Solutions is uniquely positioned to support hospitals across employee benefits and Property and Casualty captive solutions, with the ability to own the process end to end. Our integrated approach brings together actuarial insight, regulatory expertise, and deep healthcare experience to help hospitals evaluate, design, and manage captive strategies with confidence.

Our capabilities include

• End‑to‑end captive support across employee benefits and Property and Casualty, including feasibility analysis, program design, implementation, and ongoing governance

• Deep expertise in employee benefits captives, including captive funding structures and group medical stop‑loss programs designed to improve predictability and reduce volatility

• Extensive experience with Property and Casualty captive strategies, helping hospitals address rising premiums, retention challenges, and market instability

• A nationally recognized actuarial and consulting team with deep employee benefits and risk financing expertise, supported by credentialed actuaries holding FCAS, FSA, MAAA, ASA, and EA designations

Why It Matters for MHA Members

Captive insurance allows hospitals to take a more strategic, data‑driven approach to risk across both workforce benefits and operational exposures. By aligning employee benefits and Property and Casualty strategies, hospitals can improve cost control, gain better insight into claims drivers, and retain value that is often lost in traditional insurance models. MHA Solutions’s integrated view of risk helps MHA members move beyond short‑term cost management toward long‑term financial resilience and sustainability.