Capital Group Benefits

Employee benefits and business growth aren't competing priorities - they're interconnected. Traditional fully insured plans create a false choice between profits and people. Ready to explore better options? Connect with us on LinkedIn to learn how our clients are breaking free from this false choice. #EmployeeBenefits #HRStrategy #BusinessGrowth

Are your health insurance costs giving you headaches? You're not running out of options - you might just be looking at the wrong solution. Connect with us on LinkedIn and let's discuss how to get your benefits strategy back on track. Our team helps companies like yours find better ways to manage health plan costs while keeping employees happy. #EmployeeBenefits #HRStrategy #HealthcareCosts

Many employers accept rising health plan costs as unavoidable, but that thinking is keeping you trapped in a cycle of cost-shifting. There's a fundamental difference between managing your health plan and simply paying for it. Learn how we do things differently - https://lnkd.in/ed9eZjEe #EmployeeBenefits #HRStrategy #HealthcareCosts

At Capital Group Benefits, we see proof of this daily. A recent client moved from facing standard 10% hikes to achieving a 0% renewal rate, simply by being open to a different approach. Their employees kept their benefits while the company maintained its budget. Want to explore your options for better health insurance rates? Message us here on LinkedIn to start the conversation. #EmployeeBenefits #HealthInsurance #HRStrategy

When you simply absorb or pass along traditional insurance increases, you're stuck in a cycle that hurts both your budget and employee satisfaction. Our small trades company client proves there is a better way - by joining a captive program, they went from facing typical 10% hikes to achieving a 0% renewal this year. This approach lets you maintain quality benefits while gaining cost predictability. Instead of dreading renewal season, you can focus on improving coverage for your team. Message us here on LinkedIn to learn if a captive program could work for your business. #EmployeeBenefits #HealthInsurance #HRBestPractices #SmallBusiness

Year after year, we see businesses struggle with the same pattern at renewal time. But it doesn't have to be this way. We recently worked with a 110-person company that broke free from this cycle. By shifting to a captive insurance program, they went from typical increases to a 0% renewal this year. Their employees kept their benefits stable - no increased costs, no higher deductibles. The key? Looking beyond traditional insurance models. When companies focus on long-term solutions instead of short-term fixes, both the business and employees win. What's your experience with managing health plan costs? Have you explored alternatives to traditional insurance? #EmployeeBenefits #HealthcareCosts #HRStrategy #BusinessGrowth

Many employers accept annual health insurance rate increases as inevitable, shifting costs to employees or reducing coverage to stay within budget. But what if we viewed health plan spending differently? Self-funded plans show us that understanding and controlling your actual claims costs—rather than accepting predetermined rates—can lead to more sustainable benefits programs. The real question isn't how to absorb the next rate increase. It's how to build a health plan strategy that gives you the control and flexibility to support both your employees and your bottom line. You may have just renewed, but now you can take advantage of a full year to analyze your options and prepare for a smooth transition to a more cost-effective and flexible health insurance funding model. If you’d like us to take a look, let’s connect. #HealthcarePlanning #HRStrategy #EmployeeBenefits #BusinessLeadership

Looking for better ways to manage your company's health plan costs? Self-funded health plans give you control through a simple model: - Fixed costs (administrative fees and stop-loss insurance) form a small portion of your spending - Variable claims costs flex with actual employee healthcare usage Unlike traditional insurance, this structure helps you build more predictable budgets while maintaining quality coverage for your team. Connect with us on LinkedIn to explore if self-funding could work for your company. #EmployeeBenefits #HealthcareCosts #HRStrategy

Are your company's insurance renewals getting harder to budget for each year? Many employers are finding a better way to manage costs through self-funded plans. Unlike traditional fully-insured plans, self-funding ties costs to actual claims rather than fixed premiums—giving you real control over your healthcare spend. In our latest article, we discuss how self-funded renewals work and why they could be the key to more predictable renewals for your business. #EmployeeBenefits #Healthcare #HRLeaders #BusinessStrategy #InsuranceSolutions

The most effective healthcare strategy isn't about paying less—it's about paying smarter. Self-funded plans let you invest in your employees' health while maintaining control of your costs. When you understand the true drivers of your healthcare costs, you can make informed decisions that benefit both your employees and your bottom line. Questions about self-funded plans? Connect with us on LinkedIn to start a conversation about your company's healthcare strategy. #EmployeeBenefits #HealthcareCosts #HRStrategy #SelfFunding #BusinessGrowth #HealthInsurance #HRLeadership