Roundstone Insurance Employee Health Benefits Case Study

This case study details Roundstone Insurance's innovative approach to employee health benefits through its self-funded health plan, the Roundstone Captive. The document outlines the challenges faced by Roundstone in providing affordable healthcare as their employee numbers grew, leading to unsustainable premium increases with traditional insurance. To address this, Roundstone transitioned to a self-funded model, allowing them to pool resources with other employers, share risks, and customize their health plan. The results of this transition are significant, with eight consecutive years of no increases in employee health plan contributions, substantial cost savings, and enhanced employee benefits. The case study presents specific data on cost savings and employee contributions, demonstrating the effectiveness of the self-funding approach. It emphasizes the importance of data transparency and flexible plan design in achieving these outcomes, highlighting how proactive cost containment and effective use of surplus funds have contributed to the success of Roundstone's health benefits strategy.