Captivated Health book cover, by Mark S. Gaunya

“Hacking” the Health Insurance Casino

A Platform to Transform Your Health Insurance Plan from an Expense into an Asset

Available Now On Amazon
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Captivated Health®

Take Control. Gain Transparency. Leverage Confidence.

For middle market employers (50-500 employees), CFOs, and HR leaders tired of endless rate hikes, Captivated Health® reveals the platform and tactics to take control, gain transparency, and use confidence to influence better outcomes — saving cash and improving employee health and wellbeing.

A Guide To Help You:

Move from system-decisions to self-decisions
Gain access to your data to make healthcare better for your employees
Lower your health insurance costs by adding tailored benefits

What You’ll Gain:

A clear framework for using the Captivated Health® platform to reclaim decision-making power
Proven strategies to break free from the “less-bad renewal” hamster wheel
Leadership communication tools to evaluate and implement the Captivated Health pathway for your company
Real-world case studies proving measurable cost reductions and impact for employees
Captivated Health book cover, by Mark S. Gaunya

The American health-insurance system is like a casino where the house always wins—Captivated Health® is designed to help you improve your health insurance odds by putting the control in your hands.

About The Book

Are you tired of watching your company’s health insurance costs skyrocket year after year?

If you’re a CFO, business owner, or HR leader, you know the frustration: yet 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.

Here’s the good news: Mark S. Gaunya, GBA, has a health insurance hack for you. The Captivated Health® platform is designed to help you improve your health insurance odds by putting the control in your hands.

The Captivated Health platform will guide you 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

Whether you’re directly responsible for your company’s health insurance plan or you know someone who is, this book is for you. It’s time to understand the health insurance casino and learn how to play to win—for your bottom line and for the health and well-being of your people.

Start your journey toward taking control of your health insurance future with the Captivated Health platform today!

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Mark S. Gaunya

About The Author

Mark S. Gaunya is a principal at Borislow Insurance and the Founder of Captivated Health, located in Boston, Massachusetts. He is an employee benefits advisor with over three decades of experience and a tireless, passionate advocate for transparency, consumerism, health, and well-being. He is a pioneer in the use of Consumer-Driven Health and Wellness Plans (CDHP) to lower healthcare costs and improve overall health, which is the genesis of Bend the Healthcare Trend, a book he co-authored in 2009, with the second edition released in 2017. 

Mark was named as a national Top 30 Benefits Advisor to Watch by Employee Benefit News and Employee Benefit Adviser and was awarded Most Innovative Broker of the Year. In 2024 and 2025, the Captivated Health® platform earned recognition by Berkley Accident & Health for Excellence in Health Risk Management.

Mark was an eight-year Member of the Board of Directors for the Massachusetts Health Connector, a past National Legislative Council Chair for the National Association of Benefits & Insurance Professionals (NABIP), and the co-creator of the NABIP Healthcare Consumer Bill of Rights. Mark earned his GBA from Wharton, and he is certified in the ACA and Self-funding by NABIP.

Mark is a graduate of the University of Rhode Island and resides in Hopkinton, MA.

Download Your Free Book Companion Resources

Captivated Health Resource Bundle

What You’ll Get:

The Captive Report Card – a list of elements every plan sponsor should evaluate before entering into a captive model
Consumer Bill of Rights – the ten principles created to move the conversation from politics to policy
Consumer Bill of Rights Scorecard – The Assessment used to score every proposal where the recommended policy change must improve
Captivated Health Community Assessment (Mindset) – the ideal mindset a Captivated Health member organization must embrace in order to gain access to the platform
Captivated Health Risk Assessment (Financial) – A Scorecard to help you evaluate how an underwriter would look at the risk of your group.

Get instant access to the book companion resources

Want To Learn if the Captivated Health Platform is a Right-Fit for your company?

Email us at info@captivatedhealth.com to book a complimentary 20-minute strategy call — we’ll review, and show how the Captivated Health platform could impact your renewal.

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Here’s what our members are saying:

“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 DeRooDirector of Compensation and Benefits at Phillips Exeter Academy
“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 employers 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
“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
“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 PierceFormer 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 HoweDirector 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 SidellDirector of Finance and Operations at the Landmark School

Stop Funding the Health-Insurance Casino — Take Back Control Now

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