An Employee Benefits Captive
Discover reduced costs, increased control and better healthcare
We are a member-owned and governed medical stop-loss captive insurance company.
Our solution enables employers a low-cost entry point to captive insurance ownership. Each employer owns a single parent captive insurance company that issues a medical stop-loss policy to protect the employer against risks associated with their self-funded health plan. Then, collectively, other medTRANS captives share medical stop-loss risk together. Over time, underwriting profits which accumulate in the employer’s captive, are returned to the employer for their use.
20%
AVERAGE CAPTIVE ROI
RATE OF RETURN
Despite unexpected risk pool volatility, over the past five years, each medTRANS participating captive has realized a positive ROI.
Not all medical stop-loss captives are the same
The medTRANS model is operationally efficient with the potential for premium cost savings.
No Fronting Carrier
We are a direct writer of medical stop loss insurance coverage, enabling you to retain the profits of your cell captive.
Ownership & Goverance
Each employer is the owner of the captive insurance company, providing control over costs and policies.
Single Parent Captive
Each employer gets their own captive insurance company, providing incentive for risk management to attain underwriting profits.
Risk Shifting and Sharing
medTRANS is a risk pool and not a profit taker, with the risk of loss shifting to the insured business.
Innovative Risk Financing Solutions
Members of medTRANS gain transparency and control over their benefit plan design and healthcare spend, with access to best-in-class programs and services tailored to their workforce. Employers also benefit from collaboration with other like-minded employers, resulting in powerful insights and risk management strategies. The captive provides the financial protection and stability needed to capitalize on opportunities and solve real business challenges.
