Taking Ownership of Your Own Health Plan

When I talk to employers about Captivated Health, the first thing I tell them is simple: it allows you to own your health plan. That ownership creates opportunity to contain costs, design benefits that actually fit your employees, and build a long-term strategy aligned with your organizational goals.

For many mid-sized employers, that kind of ownership has never felt possible. Some assume they are too small to self-fund, or that the risks and complexity are too high. Captivated Health was created to change that, giving employers the structure and protection to step into self-funding with confidence.

What Makes Captivated Health Different

Captivated Health was built on innovation. While some brokers are just now introducing captives as a “new” idea, Borislow has been leading in this space for more than a decade. We developed industry-specific captives that bring together like-sized employers facing similar challenges.

Joining Captivated Health means more than gaining control of your health plan. It means joining a community of peers who share your world and your goals. The captive model provides an added layer of protection while opening the door to all the advantages of being self-funded.

Why Mid-Sized Employers Are a Perfect Fit

Mid-sized employers are often too small for certain solutions and not large enough to self-fund on their own. Captivated Health bridges that gap by providing access to advanced tools like data analytics, risk management, and custom plan design, all with cost containment at the center.

For CFOs and HR leaders, the model creates alignment. Financial strategy, HR priorities, and organizational goals move in sync, so recruitment, retention, cost control, and employee wellbeing become part of one coordinated approach.

Clearing Up Misconceptions

There are still misunderstandings about captives. Some worry they are too risky or too complex. Others think it will require additional staff or create more work. The reality is different. With Captivated Health, employers are supported by a dedicated team from the first conversation through implementation and beyond.

This is not a one-time transaction. It is a long-term partnership built to deliver sustainable results. Some of the most rewarding moments come when a CFO or HR partner learns there will be no rate increase for the year. Even better is when they share that news with employees. We have clients who have gone years without increases, and some have even provided premium holidays back to their teams.

Looking Ahead

Innovation is part of Borislow’s DNA, and Captivated Health is just one example of how we put it into practice. We are introducing solutions like AI-driven member support and direct primary care, with the goal of staying years ahead of where the market is going so our clients can stay ahead too.

At its core, Captivated Health is about empowerment, strategy, and collaboration. It gives employers true ownership of their health plan, shifting them from reactive renewal decisions to proactive strategies that strengthen both the bottom line and the employee experience. Every decision is data-driven, tailored to organizational goals, and built to support growth while managing risk. And because Captivated Health is also a community, employers gain accountability, shared learning, and stronger outcomes.

Captivated Health was designed to help employers step off the renewal hamster wheel and take control of their benefits future. If you are a mid-sized employer and your broker has never raised a captive solution, that is a red flag. You deserve a partner who will help you explore every option and guide you to the best fit for your people and your goals. At Borislow, that is exactly what we do.