Unlocking Hidden Revenue: How Subrogation Offsets Millions for Self-Insured and High-Deductible Programs

In today’s business landscape, companies that operate under self-insured programs or high-deductible plans face significant financial exposure. These organizations shoulder a substantial portion of claims costs before insurance coverage kicks in, making effective cost recovery strategies critical. One often overlooked yet powerful tool for mitigating these expenses is subrogation—the process of recovering funds from at-fault third parties. When leveraged properly, subrogation can offset millions of dollars in losses, strengthening a company’s bottom line and ensuring financial sustainability.