Get off the
fully-insured treadmill.

Get off the fully-insured treadmill.

A changing healthcare marketplace requires an innovative solution.

Step into the future with the ParetoHealth Employee Health Benefits captive.

The ParetoHealth Solution

Designed for any small or medium-sized employer who wants to take control and start providing real healthcare solutions while curtailing costs. The ParetoHealth benefits captive means a great health plan that you can afford, year after year.

The ParetoHealth Employee Health Benefits Solution

Benefits Captive Program
Integrated Cost Management
Benefits Captive Program
Self-Insured Benefits

Choose a plan, third-party administrator, and health network access that suit your unique needs.

Captive Membership

Three layers of protection against healthcare claims.

Integrated Cost Management
Medical Cost Intelligence

Personalized data-driven oversight and clinical interventions to ensure the right care at the right price.

Pharmacy Cost Intelligence

Personalized data-driven PBM, site-of-care, and specialty drug management to control rising pharmacy costs.

ParetoHealth means self-insurance done right.

Self-insurance is the right way forward.

Fully-insured plans offer no control, no transparency, and no data. You prepay for claims (whether they occur or not), reserves, taxes, and carrier profits. If you have any large claims, you can expect huge increases in renewals. But even in a good year, your premium will still increase. You can’t win.

When you self-insure, you pay your employee claims directly. You cover your actual costs and save money. Money to invest back into your business and your success.

The captive makes it possible.

But self-insurance has to be done right. If you go at it alone, you take on the risk of having to pay ongoing and catastrophic claims. Ordinary stop-loss insurance won’t always protect you.

That’s why ParetoHealth created the nation’s largest health benefits captive—to make claims risk protection affordable so employers like you can be empowered by the savings in self-insurance done right.

Ready to save with self-insurance?

More than 2,300 businesses are doing it right with ParetoHealth.

We were facing a $1.2M renewal. We went with ParetoHealth instead and spent only $800,000.
Jonathan Mitz
SVP Corporate Risk Mitigation
Ennis Electric