About Captive Programs
Bring stability and control to your company’s healthcare expenses with the True Funded™ Captive program
What is a Captive program and how does it work?
Health insurance is expensive for employers! Captive programs can help employers gain control and stability over their healthcare spend. This brief video explains what a healthcare captive is and the True Captive difference.
Traditional Insurance vs. Captive Insurance

Traditional Insurance vs. Captive Insurance
Traditional Insurance
With traditional health insurance employers can face steep increases every year with very little to no control over strategies to limit exposure. It is hard to know where your healthcare dollars are going, how to reduce costs, or how to plan for next year’s premium increases. This process can make it complicated or impossible to make data driven decisions to set your company up for long term strategic plan success.

Captive Insurance
Captive insurance programs allows companies to share risk and leverage the market to reduce cost—essentially becoming self-insured. Companies go from being buyers, to owners of healthcare plans with the benefit of transparency, control over plan design, and stability that comes with participation in a Captive. There’s no more bundled plans with projected administrative fees and accounting for risk without a return or reward for improving outcomes.
Program Components
Self-Funded Foundation
- Each employer chooses the size of claims they want to self-fund, up to a maximum (referred to as an aggregate).
- The claims reserve stays with the employer to pay for smaller claims.
- Money left over is the employers to keep or roll over to the following year.
Stop-Loss Protection

Stop-Loss Protection
Captive Participation
- Employer contributes a small amount of up-front capital.
- True Captive invests in the employers’ program and shares risk with the company.
- Employer pays a fixed monthly amount that goes towards plan administration and the management of the captive.
- True Captive pays out larger claims that are above the self-funded layer.
- Any money that goes unused is returned to the member companies in the form of dividends.
Self-Funded Foundation
- Each employer chooses the size of claims they want to self-fund, up to a maximum (referred to as an aggregate).
- The claims reserve stays with the employer to pay for smaller claims.
- Money left over is the employers to keep or roll over to the following year.