A Financial Approach to Your Employee Benefits
At Angler Insurance, we understand It’s frustrating to watch your health insurance costs go up, your benefits get worse and feel like there is nothing you can do about it, until now. As a leading insurance agency specializing in Medical Captives, we offer cost-effective solutions tailored to the needs of business owners and staff.
The Goal
You want to take care of your employees without breaking the bank.
The Problem
Healthcare costs are rising, and traditional insurance plans often leave business owners feeling powerless and stuck. Your employees deserve great benefits, but your budget can’t keep up with the increasing premiums.
The Solution
As your partner in benefits strategy, we offer an innovative approach, medical captives. By joining forces with other like-minded businesses, you gain more control over your healthcare costs while maintaining comprehensive coverage for your team. Our guidance ensures you understand every step of the process and feel confident in your plan.
Our Services
Health Insurance
Health coverage isn’t just a checkbox—it’s the foundation of employee well-being. At Angler Insurance, we help you design and deliver benefit plans that support your people and align with your bottom line.
Medical Captive
Our medical captive solutions allow businesses to pool their risks together, providing more control over healthcare costs and enhancing savings.
Life Insurance
We take a financial approach to life insurance, focusing on protecting your business and key assets. Our expertise includes key man policies to safeguard your company’s financial future and executive compensation strategies.
Why Choose Us?
Angler Insurance is committed to helping business owners control the rising costs of healthcare. By partnering with us, you gain access to expert advice and solutions that can significantly reduce your expenses while maintaining high-quality benefits for your employees.
Most brokers just sell insurance. We do more. We’re your benefits advisor—helping you understand your options, make informed decisions, and reduce costs through strategic planning. Our expertise in medical captives sets us apart and empowers your business to thrive.
Join the many satisfied business owners who have chosen Angler Insurance for their employee benefits and group health benefits needs. Contact us today to learn how we can help you manage healthcare costs and enhance your business’s overall success.
Client Endorsements
FAQs
What is a Medical Captive?
A medical captive is a risk-sharing arrangement where multiple employers pool their healthcare risks to gain more control over costs. By joining a captive, you become part of a group that collectively manages healthcare expenses, which can lead to lower premiums and better cost predictability compared to traditional insurance.
How can a medical captive help my business save?
Medical captives allow you to avoid the high, unpredictable costs of fully insured plans. By pooling risks with other businesses, you reduce the impact of large claims and share in potential savings when healthcare expenses are lower than expected. This model also offers greater transparency and control over how your healthcare dollars are spent.
How do I transition to a self-funded plan?
We guide you through every step of transitioning from a fully insured plan to a self-funded model. This includes analyzing your current costs, evaluating your risk tolerance, designing a customized plan, and helping you understand ongoing responsibilities, like claims management and compliance.
What makes Angler Insurance different from traditional brokers?
Unlike traditional brokers who simply sell insurance, we act as your strategic benefits advisor. We specialize in innovative funding solutions like medical captives, helping you save money without sacrificing quality. Our hands-on approach ensures you’re supported every step of the way, from strategy to implementation.
How do I know if a medical captive is right for my business?
A medical captive is a great fit for businesses that want more control over healthcare costs and are willing to take a proactive role in managing their plan. Ideal candidates are small to mid-sized companies (typically 25-500 employees) looking to stabilize premiums, increase transparency, and reduce long-term expenses. We’ll assess your unique situation to see if this model aligns with your goals.
Get in touch
Angler Insurance is committed to helping you control the rising costs of healthcare. By partnering with us, you gain access to expert advice and solutions that can significantly reduce your expenses while maintaining high-quality benefits for your employees.