Case Study-
Captive Employer
How a Captive Employer Drove Behavior Change — Not Just Accounting
Persona:
Captive Employer / Finance & Benefits
Structure:
Group captive, self-funded
Employees:
~85
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“For the first time, being in a captive actually changed behavior — not just accounting.”
~ Benefits Lead, Captive Member Employer
Challenge
While participating in a captive, the employer lacked tools to influence utilization before claims occurred. Most care still flowed through PPO channels with limited visibility.
Healco’s Approach
HealCo operated as the care navigation and direct contracting layer inside the captive:
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No changes to captive governance, TPA, or stop-loss.
Results
