WHY CAPTIVE INSURANCE
Turn healthcare risk into a strategic advantage.
Captive insurance gives employers a more transparent, flexible way to manage medical stop-loss risk—while creating the opportunity to share in favorable performance.
Share defined risk. Gain greater visibility and control.
HOW CAPTIVE INSURANCE WORKS
01 — FUND
Employers fund a defined portion of their medical stop-loss risk.
02 — SHARE
Participating employers share risk through an aligned captive structure.
03 — PROTECT
Stop-loss coverage helps protect each employer from large claims.
THE CAPTIVE ADVANTAGE
More than cost containment.
Greater predictability
A structured approach that can help reduce exposure to cost volatility.
Clearer visibility
Transparent reporting provides a better view of program performance.
Meaningful control
Greater flexibility around plan design, partners, and cost-management strategies.
Aligned outcomes
Potential opportunity to participate in favorable underwriting results.
COMMON QUESTIONS
Understanding the captive approach.
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A medical stop-loss captive allows participating employers to share a defined portion of their stop-loss risk while maintaining protection against large claims.
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No. Results depend on claims performance, program structure, and expenses. A captive may provide greater cost control and the opportunity to participate in favorable underwriting results..
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Not necessarily. It depends on the program. CHASSIS offers an open-architecture approach, while SYNCHRO uses a more managed structure focused on claims integrity and cost management.
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Captive programs may be appropriate for employers seeking greater transparency, meaningful control, and a long-term approach to managing healthcare risk. Suitability depends on the employer’s goals, risk profile, and program requirements.
YOUR NEXT STEP
Find the captive structure that fits your goals.
Compare Evolve’s open-architecture, managed, and custom captive solutions.