A More Predictable Way to Fund Healthcare
Direct cost control. Complete transparency. Multi-year stability. Built for employers who expect more than traditional fully-insured renewals.
See the Stability for Yourself
Traditional insurance creates unpredictable cost swings. Our captive model delivers consistent, manageable healthcare expenses year after year.
Traditional Funding
Unpredictable year-over-year costs
Captive Model
Stable, predictable healthcare costs
What Is Captive Insurance?
Employer-owned insurance architecture designed for direct cost control and long-term plan sustainability. Unlike traditional fully-insured models, captive structures provide transparent economics and predictable annual budgeting.
Predictable Economics
Direct cost visibility and multi-year budget stability eliminate renewal uncertainty
Complete Transparency
Real-time claims data and full financial reporting provide operational clarity
Managed Risk Exposure
Stop-loss coverage protects against catastrophic claims while preserving cost control
Traditional Insurance vs. Captive Structure
| Traditional Fully Insured | Redemption Health Captive | |
|---|---|---|
| Cost Predictability |
Annual renewals with 8–15% increases.
|
Stable, predictable costs based on your claims.
|
| Transparency |
Limited claims visibility, black-box pricing.
|
Real-time claims data, full financial reporting.
|
| Savings |
Carrier keeps profits and unused premium.
|
You keep savings from good performance.
|
| Flexibility |
Carrier-dictated plan designs and networks.
|
Custom plan designs.
|
| Risk |
Transfer all risk to carrier (at high cost).
|
Manage risk intelligently with stop-loss protection.
|
Both approaches work. But if you're already self-funded or willing to take smart, protected risks, captive structures deliver superior economics and greater long-term control.