Employers shouldn’t have to choose between providing quality health insurance for their people and protecting their bottom line.
Protect both with a partner who puts your business first.
Employers shouldn’t have to choose between providing quality health insurance for their people and protecting their bottom line.
Protect both with a partner who puts your business first.
Roundstone is a long-term strategy — not another year-to-year insurance decision. Our employer-first captive insurance model brings businesses together to spread risk, reduce volatility, and deliver better coverage at a more predictable cost—without employee disruption.
Gain clear visibility into cost drivers, the flexibility to customize a plan that fits their workforce, and the ability to keep 100% of unused healthcare dollars. The result is a smarter, fairer system built to deliver industry-leading, guaranteed savings.
Most health insurance options prioritize carriers and capital. We prioritize employers. Explore the advantages of our captive model over fully-insured and level-funded insurance.
Traditional insurance keeps employers trapped in a cycle of cost increases and coverage shifts, with little visibility into what’s driving them.
Roundstone’s self-funded insurance replaces that with lower, more predictable renewals, full transparency into claims and cost drivers, and guaranteed savings over time.
With level-funded insurance, employers pay a monthly amount that covers claims, stop-loss coverage, and administrative fees. If claims come in below expected, they may get a credit towards the next year’s costs, but it’s at the plan’s discretion.
Roundstone pioneered captive insurance for small and mid-sized employers. We offer the lowest upfront cost in the market, keeping more cash in employers’ hands from day one.
We offer unmatched transparency and consistently stronger outcomes, including lower Per Employee Per Year (PEPY) costs, higher annual refunds, and simpler renewals year-after-year.
A captive saves money by eliminating hidden carrier margins, improving plan efficiency, and applying proven cost containment strategies. You share risk among a larger group and only pay for the healthcare you use.
A good fit for a medical group captive is a company with 50+ employees that values transparency, long-term cost stability, and active plan management.
Many employers contribute premium to a shared claims fund (captive layer) that covers mid-size claims to reduce volatility and stabilize costs.
No, in the majority of cases, employees can keep the same provider network and familiar plan design. The biggest difference is behind the scenes with how the plan is funded and managed.
Your financial exposure is always capped, and the captive structure helps absorb volatility. One difficult year does not automatically mean a dramatic renewal spike. Instead, we’ll look at your claims to identify mitigation strategies to manage costs.
A group captive health insurance plan allows small to midsize businesses to band together, pool risk, and save money—while maintaining control.
With self-funded health insurance, your company pays for employee healthcare claims directly, rather than paying premiums to an insurance carrier.
As a group captive insurance plan, stop-loss insurance allows you to enjoy self-funding by pooling resources with other like-sized businesses.
This is the first year where I’ve felt like we’ve managed it well and stayed within our budget, and I’m tickled about that. It’s great news to take to my partners. I’m amazed at the success we’ve had.
CEO, A New Start Clinic
We’re helping businesses change self-funded health insurance for the better. Contact our team to get started on a quote today.
