The H.I.T. Podcast

The H.I.T. Podcast


Ep #127: Self-Funding Deep Dive | Captives & Contract Provisions - A HIT-chat with Spencer Smith (Part Two)

September 29, 2025

Self-insuring can feel complicated—especially when you get into contract provisions or health insurance captives.


In Part 2 of our 3-part series with the Podfather himself, Spencer Smith, CSFS®, we break down:


  • What a health insurance captive actually is
  • When a captive might be the right fit for your group
  • Key contract nuances every employer should understand
  • Practical insights for anyone dealing with group benefits


This series was a blast to record and is packed with value for employers, HR pros, and benefits decision-makers. If you missed Part 1, go check it out—and don’t miss this episode if you want to take your self-funding knowledge to the next level.


HIT LinkedIn: https://www.linkedin.com/company/the-h-i-t-podcast/about/

HIT IG: https://www.instagram.com/the_hitpodcast/

HIT Spotify: https://open.spotify.com/show/3bZ4GyZEm8Acmo60BetLHm?si=7f59f1b218b14ef6&nd=1&dlsi=cba58f30269a4c34

HIT iTunes: https://podcasts.apple.com/us/podcast/the-h-i-t-podcast/id1685677680?i=1000611317315


About the Show:


The H.I.T. Podcast (Powered by Montage Insurance Solutions): A thought leader in the space, curating the top news and information to deliver a brief, high impact overview designed specifically for the Human Resources professional, business person, and company executive.


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