Healthcare Captive Solutions

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Traditional insurance carriers thrive on unpredictability — they profit when your costs rise. Employers are left with little control, volatile renewals, and no seat at the table. Captives flip that model on its head by giving employers collective strength, transparency, and a share in the upside.

A healthcare (medical stop-loss) captive is a cooperative insurance structure where multiple employers band together to share risk. Instead of facing renewals alone, members pool their resources and negotiate from a position of strength.

How it works:

• Employers retain responsibility for smaller, day-to-day claims.
   
• A portion of mid-size claims is pooled with other captive members.
   
• Catastrophic claims are covered through stop-loss insurance purchased as a group.
   
• Any surplus belongs to the members — not the carrier.

• Stability: Pooling risk reduces year-over-year volatility.
   
• Leverage: Group buying power drives better stop-loss pricing and vendor terms.
   
• Transparency: Clear reporting and governance show exactly where your money goes.
   
• Savings: Surpluses are returned to the members, not kept by carriers.
   
• Flexibility: Keep your own TPA, PBM, and care navigation partners — no more one-size-fits-all.

Captives are a strong fit for employers with:

• 25–3,000 employees
   
• A desire to unbundle and move away from carrier control
   
• Frustration with volatile renewals
   
• A commitment to long-term cost management and employee well-being

Myth: Captives are only for very large employers.
Fact: Modern group and cell captives are designed for midsize employers too.

Myth: Captives add more risk.
Fact: By pooling mid-layer risk and purchasing stop-loss, captives reduce volatility.

Myth: Captives are too complex.
Fact: With the right partner, administration and compliance are simple and transparent.

We specialize in helping employers join or form captives that align with their goals. From actuarial review and underwriting to governance and ongoing support, we ensure every step is strategic, transparent, and compliant.

Our mission: to give employers control, stability, and savings — while improving benefits for employees.