As the media focuses on big business, the U.S. economy continues to quietly rely on small and midsize businesses (SMBs), which:
- Comprise 99.9% of businesses across the U.S.
- Employ nearly half of the U.S. workforce
- Have added over 12.9 million jobs in the last 25 or so years
Despite supporting our nation’s economy, SMBs are struggling to provide hardworking employees with quality health benefits under mainstream employer-sponsored insurance plans that hike healthcare costs year over year without providing a clear explanation. It’s no wonder nearly 72% of SMBs have left or are considering leaving mainstream employee benefits plans for alternatively funded solutions.
At ClearPoint Health, we understand the significance of your decision to leave the familiar for an alternative funding method and appreciate your willingness to explore new ways to care for your employees. That’s why we created a group captive built for SMBs, not carriers.
Health insurance built, governed, and led by American employers.
Join ClearPoint’s group captive and join a member-governed insurance company that offers:
Control: Break free from the inefficiencies of legacy carriers and have a say in product pricing, plan design, and service partners.
Transparency: In mainstream plans, everything is for the carrier’s benefit. Secrecy is by design. In ClearPoint’s captive, your employees’ health and your bottom line are top priorities. Say “good-bye” to opaque carrier contracts and “hello” to a data-driven, proactive approach to managing cost and care.
Aligned Incentives: When you engage your employees, make informed plan decisions, and drive results — you’re rewarded. Members earn lower renewal rates, rate cap protections, no new laser provisions, and even dividends from unused premium surplus.
An Environment Built for Performers: We’ve built a meritocracy by refusing to reward mediocrity. Entry is selective, and financial rewards are earned. We’re not giving away participation trophies; we’re taking accountability.
Who should join?
- Employers with 50–1,500 employees
- Employers ready to take control of one of their largest and fastest-growing expenses
- Leaders who want to align clinical, financial, and cultural strategies
- Businesses committed to long-term strategies for reducing avoidable costs
This is more than insurance — this is independence.
If you’re tired of being a passive payer in a broken system, you’re ready to stop overpaying for inefficiency, and want to start building a healthcare strategy that rewards performance, we invite you to contact us.
