It's become more widely known that traditional health insurance is not efficiently provided in our marketplace. The traditional system is designed to make insurance companies very, very wealthy, with too much of the premium benefitting middlemen, brokers, and administrators. The costs are simply too high. There is limited transparency, complex enrollment, and too many restrictions.

For most business owners, the alternative of setting up and managing their own captive health insurance company is too complicated and risky. Business owners have to justify the setup to the IRS, manage the claims process, and establish all of the relationships with hospitals and healthcare networks. The Due Diligence Project's network of hundreds of CPA firms has utilized their independent peer-review system to identify a revolutionary health insurance solution that combines the very best benefits of traditional and captive insurance, without many of the risks and unnecessary costs. This approach can save business owners between 20% and 50% while offering more client transparency and unused premium rebates while eliminating inefficiencies and waste. This method also affords the ability to treat each client more like a partner. This solution has been selected and successfully implemented by companies including Amazon, FedEx, Keller Williams, and Clifton Larsen Allen, just to name a few.

Learning Objectives:

• Demonstrate a health insurance option for businesses that combines elements of traditional and captive insurance companies


• Evaluate how this method of health insurance can be advantageous for business owners in saving money and providing better coverage


• Identify unique drawbacks of strictly traditional and captive insurance companies