What is employee benefits captive?

Traditional health insurance is failing your business.

Stop Overpaying for Healthcare: There’s a Better Way for Midsize Businesses

Traditional health insurance is failing midsize businesses. Costs are skyrocketing, employees are getting less for their money, and brokers are stuck in a cycle of ineffective, short-term fixes. You’re vulnerable to unpredictable expenses and have little control over your healthcare budget. It’s time for a long-term solution.

Join a Group Employee Benefits Captive and Take Control of Your Healthcare Costs

A Group Employee Benefits Captive unites employers with 50-1,000 employees, creating a powerful community that’s transforming how businesses manage healthcare. Over 3,000 employers, representing more than 1 million covered lives and $6.6 billion in healthcare spend, have already joined similar captives.

What Makes a Group Employee Benefits Captive Different?

• Unmatched Scale: These captives represent a large and fast-growing community, offering significant negotiating power and risk protection.
• Risk Shields: The captive structure provides market-leading protection, ensuring predictable costs year after year. It safeguards your business from large claims, allowing you to focus on a long-term cost containment strategy.
• Savings Engine: The captive structure tackles the root causes of high healthcare costs. It provides access to a trusted partner ecosystem and a clear, long-term strategy for improved financial outcomes.

Proven Results: Real Savings for Real Businesses

Group Employee Benefits Captives consistently outperform traditional insurance. Members see immediate first-year savings that grow over time.

See the Data:

• 7.5% Savings – Year 1
• 13.2% Savings – Year 2
• 16.5% Savings – Year 3

Download our Savings Study for details.

Midsize Employers Choose Group Employee Benefits Captives – and Stay:

• 96% Retention Rate
• 3,000+ Employer Members (3x larger than any competitor)
• 1M+ Covered Lives (the scale of a Fortune 5 company)