Legacy Re, a Georgia-domiciled captive reinsurance company specializing in health risk management for trade associations and large employers.
We partner with A+ rated insurance carriers to deliver ERISA-compliant solutions that combine the financial strength of traditional insurance with the flexibility of modern self-funding models.
Across the health benefits industry, senior leaders recognize that sustainable growth depends on disciplined structures, aligned partnerships, and long-term execution. Legacy Re exists to support exactly that — by providing the reinsurance foundation that allows innovative health benefit programs to scale responsibly.
Legacy Re actively participates in conversations where leaders are shaping the future of healthcare and benefits strategy.
Across discussions with executives, advisors, carriers, and association leaders, a consistent set of challenges continues to emerge:
Legacy Re participates in these conversations to support what comes next:
We don’t replace existing relationships. We strengthen them from behind the scenes.
The health benefits market is under increasing strain.
Trade associations and large employers face mounting challenges:
Advanced Reinsurance for Health Risks
Legacy Re focuses exclusively on health-related reinsurance, providing the backbone that enables modern benefit structures, including:
Our solutions support level-funded, partially self-insured, and captive-aligned programs, all structured to meet ERISA requirements while improving financial predictability.
Backed by A+ Rated Carriers
Legacy Re collaborates with top-tier insurance carriers to provide fronting services and quota-share arrangements, ensuring:
These partnerships allow organizations to explore innovative strategies without sacrificing stability.
Legacy Re specializes in supporting single trade association health plans built around industry-specific needs.
We enable:Ideal for: Associations with 500+ potential members seeking to enhance member value through health benefits.
We support organizations seeking alternatives to traditional fully insured health plans.
Ideal for: Employers with 100+ employees evaluating level-funded or self-funded strategies.
Legacy Re is designed with partners in mind.
For Distributors and Advisors
For End Clients
Typical timeline: 90–120 days.
Legacy Re operates under a disciplined governance framework:
This Is For You If You Are:
Both options lead to the same confidential intake.
If you're evaluating the future of health benefits strategy, we welcome the opportunity to continue the conversation.
This is not a sales pitch — it’s a working discussion to determine whether Legacy Re is the right reinsurance partner for your organization or partner ecosystem.
