Captive Solutions

A strategic approach to managing healthcare costs.

Captive solutions manage healthcare costs by allowing employers to pool resources, share risk, and lessen expense volatility.

Predictable costs. Transparency. Flexibility.

At ClearPoint Health, we recognize the increasing need for employers to take control of their healthcare benefits. Our captive solutions have the flexibility to tailor coverage to meet specific needs.

ClearPoint Health offers various captive solutions, including Group Captives, Single Parent Captives, Agency Captives, and Private Label Programs designed to optimize financial efficiency and reduce overall plan spend.

Why Choose a Captive Solution?

Efficient Risk Management
We are partnered with countless industry leaders relating to TPA, Network, PBM, Member Navigation, and Cost Containment services, and are transparent with the terms of our partnerships. We believe one size does not fit all employer members and our Benefit Advisors should be empowered by choice and not pre-configured solutions.

Enhanced Claim Safeguards
Our captives provide robust protection against large and frequent claims, ensuring stability and predictability in healthcare expenses. This safeguard helps manage financial risks more effectively, providing peace of mind for employers.

Return Unused Premiums
Instead of unused premiums being counted as profit by the Stop-Loss Carriers, our Captive solutions return these unused funds back to our Employer members.

Our Captive Solutions

Group Captives

Designed for employers with 25 - 1,500 employees, our group captives offer open-access and customizable member-owned models. They provide rate stability, surplus accumulation, and competitive differentiation. Employers benefit from collective predictability and can customize medical and prescription drug plan designs to minimize disruption.

Confident financial advisor pointing laptop while discussing options with senior woman in office.

Staff, presentation and business man in a meeting, teamwork and planning with brainstorming, feedback and review. Presenter, group and team share ideas, collaboration and partnership with documents.

Single Parent Captives

Ideal for large employers with 1,000+ employees, single parent captives, also known as independent employer captives, enhance existing active coverage portfolios with strategic depth and flexibility. These captives provide tailored risk solutions, converting segments of retained risk into layers of stop-loss coverage. This approach improves budgetary reporting and accounting efficiency, offering a more strategic way to manage and mitigate risks.

Agency Captives

Agency captives are perfect for agencies and brokerages that wish to sponsor financial collateral requirements for employer members. This model allows agencies to partake in underwriting risk and potential upside while offering employers limited or zero upfront collateral requirements, which is ideal for agencies that wish to show their financial alignment with their employer clients.

Two employees using laptop looking at business documents working in office. Busy professional team two colleagues discussing marketing project plan sharing ideas at workplace. Generative AI.

Private Label Programs

Private label programs allow agencies and brokerages to design their own Captive program, from the economics to the service partners, while still using ClearPoint Health's open-architecture community captive. This offering is great for benefit advisors and employers who want a custom experience without the responsibility of obtaining critical employer mass or capital requirements for a stand-alone captive.

ClearPoint Health Difference

Vendor Flexibility & Transparency
We are partnered with countless industry leaders relating to TPA, Network, PBM, Member Navigation, and Cost Containment services, and are transparent with the terms of our partnerships. We believe one size does not fit all employer members and our Benefit Advisors should be empowered by choice and not pre-configured solutions.

Carrier Versatility
We work with a range of A-rated insurance carrier partners to deliver filed medical stop-loss policies, underwriting methodologies, and reinsurance expertise tailored to unique group captive constructs.

Risk Structure Variability
Our captives are designed to provide modularity and flexibility, allowing each employer participant to configure their medical and prescription drug plan designs according to their unique risk appetite.

To learn more about our captive solutions and how they can benefit your organization, contact us today.

Get Started