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Captive Solutions that help you take control of your healthcare costs

A smarter path to self-funding—designed to give mid-market employers greater control, long-term stability, and the opportunity to reduce healthcare costs through aligned risk and better execution.

Captive Solutions - employer healthcare cost control

Rising Costs. Limited Control. Few Real Options.

Healthcare costs continue to rise at a pace that most employers can’t sustain.

For small and mid-sized businesses, the challenge is even greater. Fully insured plans offer predictability—but little control. And traditional self-funding often feels out of reach without the scale to absorb risk. The result is a system where employers are left managing cost increases instead of influencing them.

Captive solutions change that.

By bringing employers together in a structured, shared-risk model, captives create a more stable, more transparent, and more controllable path forward—without requiring organizations to take on risk alone.

The Model

A Better Way to Self-Fund

Captive solutions allow employers to move beyond fully insured limitations and participate in a model designed for long-term performance—not short-term pricing.

Shared Risk. Greater Stability.

Employers participate in a larger, well-structured risk pool—reducing volatility and creating more predictable outcomes over time.

Transparency and Control.

Clear visibility into claims, costs, and performance drivers—so decisions are based on real insight, not renewal surprises.

Opportunity for Savings and Returns.

When claims are managed effectively, employers benefit directly— retaining unused dollars and participating in the financial upside of strong performance.

A Path Forward.

For many organizations, captives represent the most practical step from fully insured to self-funded—offering structure, protection, and the ability to grow into greater control over time.

Your Journey

A Smarter Path Forward

Moving to a better health plan doesn’t happen all at once. It happens through the right structure, at the right time, with the right level of support. Our approach is designed to meet employers where they are—and help them move forward with confidence.

Crawl

Foundational visibility and control

Walk

Structured self-funding

Run

Fully optimized, integrated health plan strategy

Wherever you are today, the goal is the same: move toward a model that gives you more control, better insight, and stronger long-term outcomes.

How It Works

A Structured Approach to Managing Risk

Captive solutions are built on a layered model that balances control with protection.

01

Employer Self-Funded Layer

At the foundation, each employer funds and manages their own predictable claims.

02

Captive Layer

Above that, risk is shared across the captive—spreading exposure across a broader, more stable group.

03

Reinsurance Layer

And at the highest level, reinsurance provides protection against catastrophic events.

This structure allows employers to participate in the benefits of self-funding while maintaining safeguards against large, unexpected losses. It’s not about eliminating risk. It’s about managing it more intelligently.

The Crumdale Difference

More Than a Captive. A Better Model Around It.

Not all captive programs are created the same. At Crumdale, the captive is not a standalone solution—it’s part of a broader, integrated model designed to improve performance across the entire plan.

We bring together underwriting, actuarial insight, compliance, and cost containment into a single, coordinated approach—so employers aren’t left managing disconnected vendors or incomplete information.

That means earlier visibility into risk. More proactive decision-making. And a plan that can be adjusted and improved throughout the year—not just evaluated at renewal.

For brokers, it creates a clearer, more credible story in the market.

For employers, it creates confidence that the plan is being actively managed—not passively maintained.

The Results

What Better Actually Looks Like

When captive strategies are executed with the right structure and the right support, the impact becomes clear.

Costs become more stable—and more controllable

Costs become more stable—and more controllable over time.

Visibility into what’s driving performance

Employers gain visibility into what’s driving performance—and the ability to influence it.

Participate in the financial outcomes of your plan

Instead of simply paying premiums each year, organizations have the opportunity to participate in the financial outcomes of their plan.

Captive Solutions

This is the shift from managing healthcare as a fixed expense to treating it as something that can be actively improved.

Let’s work together

INSURANCE ISN’T NEW, BUT THE WAY WE TAILOR IT TO MEET YOUR NEEDS IS. CONTACT US TODAY FOR A COMPLIMENTARY, CONFIDENTIAL CLIENT ASSESSMENT.

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