yes. every self insured company I've known re-insures. When you get to the size of Wal-Mart, perhaps you don't bother. For smaller employers, reinsurance (also

yes. every self insured company I've known re-insures. When you get to the size of Wal-Mart, perhaps you don't bother. For smaller employers, reinsurance (also called stop loss) is a major cost