Business Details
16 Years
experience
Medical Stop-Loss Captive Insurance Solutions
medTRANS Insurance is a member-owned and governed medical stop-loss captive insurance company dedicated to helping employers reduce healthcare costs while maintaining control over their insurance programs. Our innovative model enables businesses to form single-parent captives that provide medical stop-loss coverage, allowing employers to benefit from underwriting profits and shared risk management strategies. With over 15 years of experience in developing captive insurance solutions, we offer transparent pricing structures and direct-writing capabilities without the need for fronting carriers. Our team of experts collaborates with financially stable business owners to create customized insurance coverage that aligns with their specific needs and risk profiles. By leveraging combined buying power among captive participants, we deliver cost-effective solutions that protect both employers and employees.Our commitment to excellence is demonstrated through our operational efficiency and focus on returning underwriting profits directly to participating employers. We specialize in providing educational resources and comprehensive management services to ensure our members understand the intricacies of captive insurance ownership. With a proven track record of delivering positive returns - including an average 20% captive ROI over the past five years - we continue to evolve our offerings to meet the changing needs of our membership. Our governance structure ensures that each employer maintains ownership control over their captive while benefiting from collective risk-sharing opportunities. Through our unique approach, we empower businesses to achieve greater financial flexibility and protection while enhancing their employee healthcare benefits.
Services
Medical Stop-Loss Captive Program
Risk Management
Single Parent Captive
Underwriting Profits
Customized Insurance Coverage
Details
- Year established: 2010
Highlights and features
- We offer 15+ years of experience in captive insurance solutions
- Our model provides direct-writing capabilities without fronting carriers
- We guarantee single-parent captive ownership for complete control
- Our risk-sharing approach delivers 20% average captive ROI
- We provide comprehensive educational resources and management services
What people say
Innovative solutions
Cost savings achieved
Expert guidance
Creative alternative solutions
Great asset for business
Services
Medical Stop-Loss Captive Program
Our medical stop-loss captive program enables employers to own their insurance company while protecting against high healthcare costs. This solution provides transparency, control over premiums, and potential for underwriting profits. Employers benefit from shared risk management while maintaining ownership of their captive entity.
Risk Management
We offer comprehensive risk management strategies through collective participation in our captive insurance model. Our approach focuses on proactive measures to reduce healthcare costs while ensuring financial stability for employers. Members collaborate to implement effective risk mitigation techniques tailored to their specific industry needs.
Single Parent Captive
Our single parent captive structure gives employers complete control over their insurance program. This model allows businesses to customize coverage, manage premiums directly, and benefit from potential underwriting profits. Each captive operates independently while sharing risk management benefits with other participants.
Underwriting Profits
We enable employers to capture underwriting profits through our unique captive insurance model. With an average 20% ROI over five years, our members benefit from cost savings and financial returns. Profits accumulate in employer-owned captives and can be utilized for business growth or employee benefits.
Customized Insurance Coverage
Our program offers customized insurance coverage solutions for self-funded health plans. Employers receive personalized policy design while benefiting from collective buying power. The model provides flexibility to adapt coverage to specific workforce needs while maintaining cost control and financial protection.
People
Phil Holowka
Captive Manager
With 15+ years of experience in captive insurance, Phil Holowka leads medTRANS Insurance as Captive Manager. He specializes in developing innovative risk financing solutions for employers seeking healthcare cost control. Phil provides expert guidance on captive formation and management.
Questions
What is a medical stop-loss captive insurance program?
Our program allows employers to own their insurance company while protecting against high healthcare costs through shared risk management and potential underwriting profits.
How does the medTRANS model differ from traditional insurance?
We offer direct-writing capabilities without fronting carriers, giving employers complete control over premiums and policy design while benefiting from collective risk sharing.
What are the financial benefits of joining medTRANS?
Members benefit from an average 20% captive ROI over five years through underwriting profits and cost savings on healthcare expenditures.
Who is a good candidate for this program?
Financially stable business owners seeking control over healthcare costs and those interested in alternative insurance solutions that provide financial flexibility.
How does the captive ownership structure work?
Each employer owns a single-parent captive that issues medical stop-loss policies, maintaining control while sharing risk management benefits with other participants.
What support do members receive?
We provide complete captive management services, educational resources, and expert guidance on risk financing solutions tailored to each business's needs.
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