Who's It For?
Captives Aren’t for Everyone. That’s the Point.
ClearChoice Health Plans were built for employers who want to influence outcomes — not just negotiate renewals. Captives reward discipline, engagement, and long-term thinking. They are not a pricing tactic. They are a performance strategy.
Ideal Fit for a Performance-Driven Health Plan
Captives work best for employers who:
Willing to manage healthcare as a 3–5 year strategy, not an annual event.
Want access to their data — and the discipline to use it.
Understand that volatility is managed collectively, not eliminated.
Prefer measurable performance over reactive negotiations.
Open to activating cost management programs, improving plan language, and addressing rising risk proactively.
Typical Profile
While every group is unique, strong captive candidates often:
- Have 50+ enrolled employees
- Are financially stable
- Have leadership aligned around clinical quality and cost management
- Are open to collaboration and accountability
- Want access to premium surplus opportunity
Captives reward employers who want to build something — not just buy something.
Who May Not Be A Fit
Captives may not be ideal for employers who:
- Prefer short-term pricing over long-term performance
- Are unwilling to engage in clinical or cost management strategy
- Are uncomfortable with shared risk dynamics
- Want a fully passive insurance model
That’s not a judgment. It’s about alignment. The wrong fit weakens a captive. The right fit strengthens it.
A Broader Platform of Insurance Solutions
If a captive isn’t the right path today, that doesn’t mean there isn’t a solution.
Through Coalition Health Group, ClearChoice is part of a broader platform that spans the alternative funding continuum.
We support employers with:
- Level-Funded Products
- Traditional Stop-Loss Policies
- Medical Expense Reimbursement Programs (MERP)
- Individual Coverage Health Reimbursement Arrangement (ICHRA)
We meet employers where they are — and help them evolve as their readiness grows.
Not Sure If It’s the Right Fit?
Let’s have that conversation.
We’ll assess:
- Risk tolerance
- Financial objectives
- Engagement readiness
- Organizational alignment
And determine the right strategy — captive or otherwise. Because the goal isn’t just joining a captive. It’s building a sustainable funding model.
Ready to Change the Healthcare Trajectory?
Whether you’re an employer or an advisor, ClearChoice is where health plans evolve into performance systems. Let’s talk.
Schedule a Strategy Conversation
