Captives
Our award-winning Captive solution
Apta Captive is a smarter alternative to traditional stop-loss that rewards employers for managing healthcare intelligently with built-in transparency, protection, and long-term stability.
What are Captives?
All self-funded employers need stop-loss coverage to protect against large, or catastrophic claims. A captive is an alternative way to purchase that protection, through an employer-owned risk pool instead of a traditional carrier model.
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In traditional stop-loss arrangements, premiums are paid upfront and are not recoverable, even if claims come in lower than expected. In a captive, employers share risk and share in the surplus when claims come in below expectations, with reimbursements distributed at the end of the plan year.
Apta Captive vs. Traditional Trend Results
*Calculated using status quo program cost trend
How Apta
Captives Work
1. Protection Through Shared Risk
Employers join a financially aligned group that spreads risk across all members, which reduces volatility and creates stable renewals year over year.
2. Claims Are Actively Reduced
Apta Captive is paired with proprietary programs that prevent unnecessary claims before they ever hit the plan. Better care decisions lead to fewer high-cost claims and stronger captive performance.
3. Employers Share the Profits
When claims run below expectations, surplus stays with the captive, not the carrier.
results from real captive members
Transportation Service Company
4‑year Trend Analysis
<300 Enrolled $4 Million in Savings
Healthcare and Rehabilitation Center
2‑year Trend Analysis
<100 Enrolled $979,096 in Savings
Investment Advisory and Financial Consulting Firm
5-year Trend Analysis
<125 Enrolled $3.8 Million in Savings
