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Changing the rules of the health insurance game

Captivated Health is a platform offering mid‑market employers solutions to take control of their healthcare costs while delivering quality benefits to their employees.

Don’t settle for another “less bad” renewal.

If you’re a CFO, business owner, or Human Resource leader, you know the frustration of another “less bad” renewal, double-digit rate hike, and that gut-wrenching sense that your choices are limited because you have no data to actually fix the root cause and solve the problem. The American health insurance system is like a casino—the house always wins. There’s no way to improve your odds without understanding the design and rules of the game.

The traditional healthcare system is NOT broken. It works the way it was designed to—but not with the consumer in mind.

Every year, premiums rise at an unsustainable rate, feeding the system while employers and consumers struggle to get the healthcare they need at a price they can afford.

The Captivated Health Platform is an Health Insurance Hacker^IP—making the system work for the employer and its employees.

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A like-minded community shaping better benefits together.

Captivated Health brings together mid-market employers (50-500) to help your company gain control, save money and deliver a better health insurance plan and experience to your employees. Combining a partially self-insured captive financing arrangement with an “employees first” mindset and robust risk management tools, Captivated Health has already saved its initial group of member firms over $6 million—just in the first three years.

Member‑First Principles for Better Benefits

Captivated health is built on 4 guiding principles that help drive every aspect of the plan

Members First

The individual healthcare consumer is our primary focus. We center every decision on the individual member’s experience and outcomes. From vendor selection to plan design and communications, initiatives must pass the test: “Would I want this as a plan member?” If the answer is no, we redesign it to deliver clearer value and better care.

Consumerism

We equip members with plain‑language education, price and quality tools, and decision support so they can navigate care confidently. Engaged consumers use higher‑value services, avoid unnecessary spend, and drive better outcomes—backed by a 24/7 Captivated Health Concierge and digital guidance.

A Culture of Health and Wellbeing

Captivated Health is more than just “medical insurance”. Our approach treats benefits as a holistic wellbeing strategy—physical, financial, workplace, community, and mental. We partner with employers to design and measure programs that meet employees where they are, increase participation, and produce measurable improvements in health and productivity.

Self-Governance

Government by members for members. Governance is owned by the members themselves through clear bylaws, voting, and data‑driven oversight. Our platform is designed to ensure transparency, accountability, and that plan changes reflect participant priorities—aligning incentives across employers, vendors, and the captive for long‑term success.

Why middle‑market organizations choose Captivated Health as its platform?

Traditional fully‑insured plans leave you exposed to year‑over‑year premium swings and misaligned vendor incentives. Captived Health gives participating employers ownership of results: pooled risk, transparent data, and the ability to capture underwriting profit back into your organization. Helping you turn your biggest expense into an asset on your balance sheet.

With the Captivated Health Platform you’ll be able to:

Take Control by moving from system-decision to self-decision

Gain Transparency as you free yourself from the “less bad renewal” cycle

Leverage Confidence in your increased literacy to strategically influence outcomes

Save Cash by reinvesting your dividends to create greater value for everyone

Stop Overpaying For Health Benefits You Don’t Control

Discover the 8 must‑ask questions employers should use to decide if it’s time to stop “buying” health insurance and start owning a smarter, partially self‑insured plan.

What You’ll Get:

A simple framework to compare fully insured vs. partially self‑insured (captive) strategies and spot where you’re paying more for less.

Eight critical questions that expose why costs climb, what your carrier isn’t showing you, and how data can drive better plan design and wellbeing.

Insight into how employers your size use captives to reduce volatility, protect against big claims, and still offer world‑class benefits.

Ideas to build a culture of health and consumerism with tools and concierge‑level support that help employees make smarter choices.

Who’s It For:

CEOs, CFOs, and HR leaders at small and mid‑sized employers tired of painful renewals and benefit cutbacks.

Employers who want an employees‑first plan and are curious whether a captive or self‑funded approach could work.

Get the guide

Complete the short form to access “8 Questions to Ask Yourself: Can I Control My Health Care Costs?” and see what it looks like to step off the fully insured hamster wheel.

How We Help

Strategy, structure, and ongoing management — we handle the details, so you don’t have to.

Feasibility modeling and actuarial analysis

Captive formation, domicile selection, and licensing

Stop‑loss and risk financing design

Vendor selection: TPA, PBM, networks, and reinsurers

Ongoing analytics, governance support, and clinical oversight

Typical Outcomes:

Real results for middle‑market employers

While results vary, employers working with our benefit advisor team typically see:

8–20% total benefit cost improvement over 3–5 years (via underwriting returns, reduced leakage, and better care)

Reduced year‑to‑year premium volatility

Improved clinical engagement through targeted programs

Here’s what our members are saying:

We have been able to keep our employee premium contribution increases flat over the past five years. In fact, we’ve even started to reduce our employee premium contributions over the last two years. I don’t know how many engineering firms out there can say that they have actually been able to reduce the cost of health insurance that their employees are contributing to the plan without sacrificing any plan quality or benefits. We have had enough savings to be able to enhance our plan benefits, and that is the magic behind this health insurance solution. Because of the control the Captivated Health Platform gave us, we could craft our plan exactly the way we wanted.

Lisa A. Brothers, Past President and CEO of Nitsch Engineering

Prior to Captivated Health, we had no access to our claims data. We felt as though our claims experience wasn’t the best, but there was no way to know. Once we made the switch, the data analytics engine took us on a deep dive into our claims. We learned the trends, the high diagnostic categories, the incident rates, and facility patterns, all while protecting the confidentiality and security of our enrollees.

Dirk DeRoo, Director of Compensation and Benefits at Phillips Exeter Academy

At about half a million dollars annually, we thought it was a big number that maybe we could do something about.
We were told to expect about a million dollars of savings over five years when we switched, and the projection landed true. Fast forward to the present, we have a soft landing spot annually of between $250,000 and $275,000, and that’s all in (claims, premiums, fees, and wellness programs). We have added more benefits, which is beyond what we used to do when we were fully insured, and the options were to raise per paycheck premiums or increase deductibles.

Michael S. Komich, Senior Vice President for Finance and Operations at Cheverus High School

I didn’t know a thing about self-funded health insurance, so my first year was a crash course in understanding how everything worked and what the benefits were. As I gained understanding, I realized how beneficial it was to both the school and the employees. This is such an incredible opportunity for a school to manage health insurance costs. At the same time, it provides a chance to share with employees how to be healthy and to encourage a healthy lifestyle. The whole model of Captivated Health is for people to be healthy. The school does better when the employees are healthy. But also, it’s such a benefit to the employees to be able to take advantage of different resources available to help them pay attention to their health and be a better consumer.

Marge Pierce, Former CFO of Tower School in Marblehead, Massachusetts

New Hampton School was the first founding member school in the Captivated Health Education cell. Before joining Captivated Health, each year we would get a health insurance premium increase with no explanation. We got an invoice, but that’s it. There wasn’t any exchange of information or transparency. We had no clue how much of our money was actually going towards paying our claims. Being so early to the platform, we didn’t have examples to follow, but we were ready to take the calculated risks. Our goal was to launch it as effectively as possible with as little disruption to employees as possible. The real difference Captivated Health helped us make was that we started talking about consumerism. When someone asked why certain prices were so high or complained about not understanding their claims and deductible expenses, we could sit down with them and answer questions. Instead of the abyss of nothingness, we had information and data like we’d never known before.

Kathleen Howe, Director of Finance and Operations at New Hampton School & Joe Williams, Head of School at New Hampton

Captivated Health gives us the best of both worlds. It gives us a group dynamic where we are sharing a certain amount of risk with other like-minded schools with similar risk profiles to our own. We’re sharing risk with other schools that understand our risk cell. And the risk factors are similar to those in a fully insured financing structure. You’re going to pay for health claims regardless, so you might as well find a better way to manage those claims that allows you to save money whenever possible.

Dean Sidell, Director of Finance and Operations at the Landmark School

Ready to explore?

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