Analysis without a stake in the outcome.
We help brokers and employers evaluate group captives the way they should be — across the full market, without a program to sell.
Bring a captive alternative to every qualifying client.
Captives require specialist depth that takes years to build — quoting across programs, normalizing proposal economics, knowing what’s negotiable. For groups with 75 to 500 employees, a group captive is often the most significant structural change available to them. Most never hear about it because most brokers only have access to one program, or none.
We sit behind the broker relationship and run the analysis. You stay the expert in front of your client.
We quote across 10+ programs at multiple carriers simultaneously, normalized to the same metrics. Every group gets a real comparison, not just the one program with a rep in the territory.
Every cost component isolated and benchmarked: ceding expenses, management fees, aggregate mechanics, collateral requirements. We show what each program actually costs and where to push back.
Active relationships across multiple carriers. Faster indications on borderline groups, and market intelligence before it reaches the broader community.
Preliminary multi-program directional comparisons in minutes, before momentum dies. A quick directional answer often opens the conversation that changes the outcome.
Volume-based TPA and PBM pricing already in place — better terms than most individual brokers can negotiate independently, available from day one.
Monthly tracking against expected for every placed group. You stay informed all year, not just at renewal when the carrier already has leverage.
Plain-English explainers, CFO-facing reports, and objection handlers built around the outcomes that matter to your client.
A regional broker with Captives.us behind them can run a more thorough independent analysis than a national firm with captive specialists spread thin.
How it works in practice.
Low friction for the broker. Maximum clarity for the insured.
You flag a group that looks like a fit — typically 75–500 employees, a claims history without catastrophic spikes, and a renewal that’s been trending up. A brief summary is enough to start.
We pull indications across programs, normalize every proposal to the same terms, and build a comparison the employer can understand and act on. You stay in the conversation as the advisor.
You place the group and keep the client relationship. We handle post-placement monitoring, annual reviews, and renewal analysis for as long as the group is in the program.
There’s another way to fund your benefits. Here’s an independent look.
Group captives let employers participate in the economics of their own healthcare spend rather than handing it to a carrier and walking away. Lower long-term costs, real claims visibility, and a model where good performance actually benefits you.
Most employers never hear about captives from their broker because most brokers only have access to one program — or none. We give you the independent analysis to evaluate whether a captive fits your group before anyone is trying to sell you one.
Is it right for your group?
Captives work best when finance and HR leadership are aligned on the long-term cost trajectory — and when there’s a genuine appetite to treat benefits as financial strategy, not just a line item.
“If the CFO and the HR director aren’t both in the room for this conversation, it’s probably too early.”
Large enough for predictable claim data, small enough to benefit meaningfully from collective buying power.
A track record of manageable medical claims without major catastrophic volatility in the last 2–3 years.
High single or low double-digit increases every year are a signal the traditional market is working against you.
Benefit funding becomes a treasury strategy. Finance needs a seat at the table from the start.
A genuine desire to invest in wellness and cost-containment as financial strategy, not just HR box-checking.
Ready to see if a captive makes sense?
No data required for an initial conversation. We start with a high-level strategy call and give you an honest answer.