Our Captive Models
Not every employer or advisor needs the same captive structure.
But every captive – regardless of structure – requires disciplined underwriting, aligned incentives, proactive clinical oversight, and unified data to sustain performance. ClearPoint Health supports multiple captive models, and while the structures may differ, the standards do not.
Our Group Captive
Shared risk among aligned employers in our community cell. Our performance based group captive is driven by our ClearChoice Health Plans framework.
A Performance-Based Risk Community
Our group captive offers shared risk among aligned employers within our community cell. But this isn’t a traditional shared-risk model. It is a performance-based captive — built to reward engagement, retain good risk, and prevent adverse risk retention over time.
This model is ideal for employers who:
- Value disciplined, community-based risk stabilization
- Want access to underwriting surplus opportunity
- Prefer long-term performance over short-term pricing
- Are willing to actively engage in cost and clinical management
Through ClearChoice Health Plans, our group captive is structured to:
- Measure and reward engagement
- Actively manage rising addressable and avoidable risk
- Protect high-performing employers from subsidizing disengagement
- Align underwriting, clinical oversight, and member behavior
Performance is tracked. Incentives are aligned. Risk is actively managed – not passively shared.
If you’re ready to move beyond traditional funding and into a captive built to strengthen over time, learn more about what ClearChoice Health Plans can do for you today.
Additional Solutions
A group captive is one path - but it’s not the only one.
We offer multiple ways to access the ClearPoint model, including Private Label Programs and Cells, Single Parent Captive, and Clinicaptive structures. Each approach is built to align risk, improve visibility, and drive performance – while giving you flexibility in how you participate.
Private Label Program
Branding and customization without the burden of scale. A Private Label Program allows benefit advisors to design a program that is customized with marketing, programs and underwriting appreciation specific to their employer strategy. This structure leverages ClearPoint Health’s established community captive cell, removing the responsibility of building critical employer mass independently.
It is ideal for advisory firms that:
- Want branding and differentiation
- Value customization flexibility
- Prefer shared underwriting strength
- Do not yet have the employer scale to support a standalone cell
Advisors control the strategy and client experience. ClearPoint Health supports the underwriting discipline, governance, and performance infrastructure behind it.
Private Label Cell
Complete customization where it matters for groups with scale.
For advisory firms or group associations with sufficient employer scale, a Private Label Cell offers increased autonomy and customization within a dedicated employer pool.
This structure allows advisors to:
- Establish their own captive cell
- Grow their book with a unique go to market strategy
- Deepen branding and positioning within market
- Expand strategic flexibility within the captive structure
While ClearPoint Health continues to provide:
- Underwriting oversight
- Performance infrastructure
- Clinical and engagement systems
- Reporting and administration support
A Private Label Cell is not just a structural upgrade – it’s a strategic platform for firms ready to institutionalize their captive strategy and deepen client retention through aligned, performance-driven risk management.
Single Parent Captive
Dedicated Structure. Enterprise-Level Control. Designed for larger employers with 1,000+ employees, a Single Parent Captive offers a fully customized risk financing structure built exclusively for one organization. This model allows employers to consolidate existing coverage portfolios into a dedicated captive cell – combining medical and property & casualty (P&C) lines into a unified, strategic risk platform.
It is ideal for employers who:
- Have significant scale and stable financial footing
- Seek greater control over their risk financing strategy
- Manage multiple lines of coverage
- Want long-term structural flexibility
A Single Parent Captive enables:
- Tailored risk solutions built around the employer’s specific profile
- The ability for savings in one product line to subsidize another
- Streamlined reporting and accounting efficiencies
- Greater visibility across total risk exposure
Rather than managing medical and P&C risks separately, employers can coordinate both within one disciplined structure. Scale becomes strategic leverage. Risk becomes integrated – not fragmented.
CliniCaptive
Aligning Clinical Care and Risk Strategy. CliniCaptive is ClearPoint Health’s proprietary captive model designed specifically for health systems and provider organizations. It enables providers to move beyond transactional employer relationships — and instead build structured, long-term partnerships grounded in both clinical alignment and financial stability.
This model is ideal for:
- Health systems seeking deeper employer engagement
- Provider organizations pursuing value-based strategies
- Regional systems strengthening ties to their local business communities
- Organizations ready to align care delivery with risk financing
CliniCaptive allows providers to offer employers:
- Access to aligned clinical networks
- Greater transparency and data visibility
- Financial assurance through structured risk participation
- A more coordinated approach to managing medical spend
Rather than sitting across the table at renewal, providers and employers operate within the same performance framework. Clinical care and financial accountability move in the same direction.
Wherever you’re starting from, there’s a path forward.
We’ll meet you there - bringing the right structure, the right support, and the right strategy to help you move with confidence.
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