Captivated Health

Powered by Borislow Insurance, Captivated Health delivers custom, self‑insured healthcare solutions designed specifically for independent schools and their communities. Certified by Berkley Accident and Health for Excellence in Health Risk Management, Captivated Health helps organizations transform health insurance expense into a strategic asset—promoting consumer engagement, well‑being, and long‑term cost sustainability.

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What Is a Captive Arrangement?

A captive arrangement allows like‑minded employers to self‑insure together, reducing the volatility and expense of purchasing stand‑alone stop‑loss coverage in the open market. Participating employers contribute a portion of their stop‑loss premiums into a shared pool, creating opportunities for:

• Greater cost transparency
• Increased control over plan design
• Lower and more predictable healthcare costs
• Reduced financial risk

While self‑insuring can introduce additional risk—particularly for smaller employers—that risk is mitigated through stop‑loss insurance. Any budgeted but unused claim funds are retained by the employer, resulting in direct savings. Captive arrangements also typically offer lower administrative costs and greater flexibility, allowing organizations to design benefits that truly reflect their workforce.

Curious about a captive? Learn the advantages that await.

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