STAR Captive Solutions Initiative
Delivering Stability, Transparency, Accountability, Results to Healthcare Benefits
Association health plans (AHPs) were approved for the market with support in June 2018. While an innovative approach to combat rising employer healthcare prices, it has been met with opposition, lacks clarity, and has many carriers and states taking a wait-and-see approach. As a result, the National Alliance developed this initiative to bring together coalitions to work on this effort together. Members continue to monitor AHPs as a viable option for coalition member programming and explore other options for small- to mid-size employers.
Key educational areas of focus include employee benefit captive programs. This allows small-to mid-size employers to self-fund their healthcare programs, yet leverage the stability of being a part of a larger group and a healthier pool as the result of wellness and risk management programs built into the benefits. Additionally, employers benefit from having access to claims data to better manage and make strategic decisions to better manage the cost of healthcare.
Our Path Forward
Launching in late 2019, the STAR Captive Solutions program is an exciting option that any coalition can participate in to foster membership growth and, where available, bring value to group purchasing and educational programs.