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Shared Risk.
Shared Rewards.
Better Experience.

Working together to take control and gain leverage.

Get the “8 questions to ask” checklist

Take control. Pool risk. Gain Scale.

Captivated Health® brings together forward‑thinking employers who believe in a better way to deliver dependable, cost‑effective health benefits. By pooling risk and creating collective scale, members gain the power of collaboration while maintaining full control over their plans. Through shared risk management, stop‑loss protection for high‑cost claims, transparent data insights, and member‑led governance, the platform ensures accountability, stability, and sustainable savings over time.

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The game is not broken. It’s just not designed for you to win. The “new” game for mid-market organizations is called a Captive.

How the Captivated Health Platform works

Health insurance is an employers second largest expense — yet many employers settle for the “less bad” annual renewal. Captivated Health helps mid‑market organizations take control, reduce volatility, and gain purchasing leverage through pooled risk, smarter design, and transparent vendor accountability.

Traditional Model vs. Captive Model

Traditional Insurance 

Insurer is the plan sponsor assuming risk and setting annual premiums.
Premiums can spike with market conditions.
Limited visibility into claims and vendor margins.
Little control over plan design or vendors.
No return of underwriting gains to employer.
Passive administration; no governance participation.

Captive Solution

Employer is the plan sponsor in full control.
More stable, predictable costs through scaled and pooled underwriting.
Full transparency into claims and vendor performance.
Members control plan design, vendors, and service contracts.
Potential dividends/underwriting returns if performance is favorable.
Requires governance participation and active oversight.

Three Perspectives. One Problem.

Mary, The CFO
Mary, The CFO

Today: No control. No clarity. Healthcare is an expense, not an asset.

What she needs: A platform to help her take control, give her data, insight, and long-term strategic impact.

Amy, The HR Leader
Amy, The HR Leader

Today: Burnt out. Change means disruption. Employees are confused and frustrated.

What she needs: A platform that supports retention, recruitment, health & well-being, and engagement.

Joe, The Employee
Joe, The Employee

Today: No info, no support, spends more than he should for healthcare.

What he needs: Simple answers, smart tools, and a reason to care about being a better healthcare consumer.

Captivated Health helps members take control by moving from system-decision to self decision.

Do you want to take control of your health insurance plan?

Download the 8 Questions To Ask Checklist to see if the Captivated Health Platform is a right fit for your organization

Download The 8 Questions Checklist

Health Insurance Financing The Captive Way

Health insurance is typically the organization’s second‑largest, fastest‑rising expense.  By pooling similar employers, a captive creates scale, lowers fixed costs, and improves predictability for major claim events. The Captivated Health Platform acts as a high‑cost claim “shock absorber,” so no single plan sponsor bears the full financial exposure of high-cost claims.

Financing The Captive Way
How The Captive Model Works

How The Captive Model Works

People: The #1 Asset To Any Organization. 
Rising health insurance costs drain resources from your business and your people. The Captivated Health platform removes inefficiency from benefits so you can reinvest savings where they matter most—employee wellbeing, retention, and growth. Our platform turns health insurance plan expenses into a strategic asset on your balance sheet, not just a line item.

Changing The Rules

A Clearer Path from Cost Center to Strategic Asset

Changing The Rules

Running in the “hamster wheel” of the “The Less Bad Renewal”IP

Traditional insurance has you stuck running in circles—faster and faster, but going nowhere. Blindfolded on a hamster wheel, you can’t see the cost drivers, the friction employees feel, or whether you’re being overcharged. 

That’s the “less bad” renewal cycle: market‑driven resets with no data, little vendor accountability, and no control. Without transparent claims insight or member-level governance, you’re forced to accept annual price increases instead of fixing the underlying problems—so the wheel keeps spinning and costs keep rising.

Running in the hamster wheel

Lack of Price and Quality Transparency

The  healthcare system often profits from volume, not value—so employers and employees rarely see the true cost or quality of care. Without upfront price and quality data, you can’t choose better options or hold vendors accountable. That lack of transparency serves the system, not the people.

The Captivated Health Platform delivers clear price and quality transparency so members can choose high‑value care and stop wasting money.

What we expect:

Clear price estimates before care

Quality metrics tied to outcomes

Actionable data to compare providers and find the lowest price without sacrificing quality

Who We Serve:

Built for mid‑market employers (typically 50–500 employees) seeking predictable, long‑term benefit outcomes
Organizations with favorable demographics and risk score calculated using sophisticated AI risk tools
Employers with stable headcount and an appetite for multi‑year solutions (3–5+ year horizon)
CFOs and benefits leaders focused on taking control, reducing volatility, improving forecasting, and reclaiming underwriting value
HR teams prioritizing member experience, consumer engagement, and holistic wellbeing programs
Hand selected, certified brokers looking to expand advisory services with captive options and co‑selling support
Mid-market organizations that share the same industry or affinity group

Why They Choose Us:

Gain scale and purchasing power without losing control
Transparent claims data and vendor accountability
Potential for underwriting returns and dividend distributions
A governed, member‑led structure aligned to employer priorities

Do you want to take control of your healthcare and insurance future?

Complete the 8 Questions Checklist to see if Captivated Health is a right fit for your organization

Download The 8 Questions Checklist
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Ready to take control of your health insurance costs?

Book a 20 minute call with a Captivated Health Solutions Consultant to see how we can help you save money on your biggest line item expense.

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