Is Captivated Health Right for Your Organization?

You Already Know the Problem. You Just Haven’t Found the Right Solution Yet.

Every year, the conversation is the same. Your broker delivers your health insurance renewal and the number is higher than last year. Again. You ask your broker to tell you why it’s so high — and what you can do about it. They bid the market and offer you a few carrier options, suggest a few plan design tweaks, or suggest taking more money out of people’s paychecks and tell you this is just how the market works. You walk away with the “less bad renewal” — and brace yourself to deliver less value to your employees and prepare to do it all again next year.

It doesn’t have to be this way. It’s a choice. And Captivated Health exists for middle market organizations frustrated with the status quo and ready to make a change by taking control.

“Health insurance is expensive because healthcare is expensive.™” ~Mark Gaunya

Until you decide it doesn’t have to be.

Three people discussing Captivated Health

Do you want to take control of your health insurance plan?

Download the 8 Questions To Ask Checklist to see if the Captivated Health Platform is a right fit for your organization

Download The 8 Questions Checklist

The Real Cost Of The Status Quo

Most middle market organizations are unknowingly overpaying — not because they’re careless, but because the traditional fully-insured model was never designed to work in their favor. When you hand 100% of the responsibility to an insurance carrier in exchange for a fixed monthly premium, you also hand over something far more valuable: your control and access to data. Without it, you can’t see what’s driving your costs. You can’t customize your plan to help your people. You can’t reward healthy behavior or target the conditions costing your people the most with their healthcare and their dollars.

You’re flying blind. And the house always wins.

Meanwhile, your employees are navigating a healthcare system that wasn’t built for them either — limited access to quality and price information, confusing bills, surprise costs, and no one in their corner when something goes wrong. The result? Dissatisfied employees who underuse their benefits, make uninformed decisions, and ultimately cost the organization more in lost productivity and higher costs.

There is a better way. And it starts with taking control.

Employees navigating a system

The Health Insurance Hack Your Middle Market Organization Has Been Looking For

Captivated Health is a self-governed, partially self-insured captive health insurance platform built for middle market employers who are done accepting the status quo. When you join, you move from system-decision to self-decision and stop being a purchaser and start being an owner.

Here’s what that looks like in practice:

Your data, your decisions.

You get full access to your claims data—real, actionable intelligence that tells you exactly what’s happening inside your plan and where your dollars are going.

A plan built for your people.

With that data, you can customize solutions specific to your employees’ healthcare needs, add point solutions that remove solve health challenges and eliminate unnecessary friction, and target the issues that matter most to your workforce.

Community purchasing power.

You’re not navigating this alone. Captivated Health members join a community of like-minded organizations in their respective industries, pooling resources and leveraging their collective scale in a structure designed to benefit everyone inside it.

A concierge experience for employees and their families.

When the need for healthcare happens, your people have someone in their corner — 24/7 concierge support that guides them through the healthcare system, reduces confusion, and ensures they get the highest quality care at the lowest possible price.

Reserves on your balance sheet.

In years where your organization performs well — usually 4 out of 5 years, the savings build on your balance sheet — not the insurance carrier. The early adopters have collectively captured over $50 million on their collective balance sheets.

The healthcare system wasn’t built for you. Captivated Health was built with you in mind.

Who It’s Built For

Captivated Health works because everyone inside an organization has a role to play — and the platform is designed to serve all of them.

For the CFO

Your job is to protect the bottom line — and health insurance and benefits are likely your second largest expense after payroll, with an inflation rate that is 4-5x higher than ordinary inflation, which makes it nearly impossible to plan around. Captivated Health gives you something the traditional model never could: control, visibility and predictability. Our members have achieved renewal rates under 4-5% while the national trend sits at 8.5-10%. When your organization performs well, those savings compound on your balance sheet — not the insurance carriers, not the hospitals and not the PBMs.

For HR Leaders

Your job is to take care of your people —and you know that a great benefits package is one of the most powerful tools you have for attracting and retaining talent. Captivated Health doesn’t just lower costs; it elevates the employee experience. With a dedicated concierge team, customized plan design, and a culture of health and wellbeing built into the platform, your employees feel supported—not stranded—when they need healthcare most.

For the Business Owner or CEO

You’re the one who has to sign off—and you need to know that a decision this significant is the right one for your organization. Captivated Health isn’t a quick fix or a gamble. It’s a platform with more than a decade of proof, 95% member retention, and a governance model that puts your organization in control of its own future. The question isn’t whether it works. The question is whether your organization is ready to take control of your healthcare insurance future.

Not Everyone Qualifies—and That’s by Design

Captivated Health is not a solution for every organization. It was intentionally built for the right ones. It’s inclusive, yet exclusive.

To be considered, your organization needs to meet three criteria:

Minimum Enrollment

You must have a minimum of 50 employees enrolled on your health insurance plan. On average, that means at least 75 benefit-eligible employees in your organization.

The Right Mindset

This isn’t a passive product you buy, set it and forget it. It requires organizational commitment—leadership that believes in transparency, employee education, and a culture of health and wellbeing. We use a Mindset Assessment to evaluate whether your organization is truly ready to operate within the Captivated Health model. If the mindset isn’t there, the results won’t be either.

A Positive Risk Profile

Before joining, every prospective member goes through a financial feasibility assessment. We evaluate your group’s risk profile to ensure that partial self-funding is the right financing structure for your organization at this time. This protects you—and it protects every other captive member in the community.

Captivated Health is selective because its members thrive when they are surrounded by organizations who share their principles and values. When everyone is committed, willing to take control and implement targeted solutions to age old problems — everyone wins.

More Than A Decade Of Proof

The results are not a promise. They’re a proven track record.

$50+ million

captured on members’ balance sheets

$12+ million

added to the balance sheets of clients through the return of captive surplus dollars and PBM rebates

95%

member retention—compared to 80% industry standard

Under 4-5%

renewal rates for 2024–2025 vs. 8.5% national trend

1.2%

renewal rate in 2023–2024

Recognized by

Berkley Accident & Health for Excellence in Health Risk Management three years running—2024, 2025 and 2026

Ready to Find Out If You Qualify?

The first step is a conversation. We’ll walk you through the Mindset Assessment and Risk Profile together—and if Captivated Health is the right fit, we’ll show you exactly what your future could look like.

You don’t have to keep accepting the status quo. But you do have to decide to think differently.

Book a Complimentary 20-Minute Strategy Call

Why Employers Choose A Captive Health Insurance Model:

If you’re tired of unpredictable premiums with no data to support the result, a self-funded captive for your health insurance plan is a strategic alternative. Captives align incentives across participating employers and the vendors that support them, encouraging higher quality healthcare at lower price while allowing employers to share in the underwriting outcomes — healthcare system profit becomes cash reserves on the employer’s balance sheet.

Ownership of underwriting results and potential surplus

Reduced year‑over‑year premium volatility

Custom plan designs that supports your workforce and budget goals

Stronger vendor accountability backed by transparent data

For your organization to be a right fit you need:

Employee count of at least 50–500 with at least 50 enrolled employees on your health insurance plan

2+ years of renewal history, high cost claim information and credible claims data, if available

C-Suite that is frustrated with the status quo and is committed to a strategic benefits philosophy

Willingness to participate in a self-governed community of like-minded employers in a specific industry or affinity group

If you checked 3 or more, you’re likely a fit. Start with a no‑cost risk assessment review.

What You’ll Get: From Risk Assessment to Feasibility to Ongoing Management

Working with us delivers:

Deep risk analysis and feasibility modeling with scenario analysis (P&L, capital, and stop‑loss layering)

Captive formation and regulatory guidance (domicile, licensing, capitalization)

Contract negotiation and vendor oversight (TPA, PBM, provider networks)

Governance playbook and member communications templates

Quarterly reporting, clinical program oversight, and loss‑control initiatives

Employers FAQs

Ready to take control of your health insurance costs?

Book a 20 minute call with a Captivated Health Solutions Consultant to see how we can help you save money on your biggest line item expense.

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