Coverage that fits
A practical alternative to standard carrier renewals.
Skip to main content
Members Health Plan
Better employer health insurance built around membership.
Take the smarter path to managing health care costs.
Choose the path that fits you:
What Is MHP Captive?
MHP Captive™ is a group of like-minded employers who have come together to share risk and take a more active role in managing healthcare costs. Built through Members Health Plan, the plan delivers a modern group health option to employer groups that may not typically have this kind of opportunity previously.
FAQ
Member-focused by design
A structure where participating groups have a shared stake in long-term success.
Supported from start to finish
A more connected experience for the people choosing, offering, and using the plan.
Why Choose MHP Captive?
All the healthcare advantages, without the typical barriers
MHP Captive gives employer groups a more accessible way to explore group health insurance. It combines shared risk, coordinated partners, and long-term plan support in one structured solution.
We built MHP Captive for groups that want a more strategic alternative to fully insured models, with multiple plan options, PPO national network access, and savings potential when the plan performs well.
Access to customizable plan designs
Choose benefits based on each employer's unique needs.
Built for professional groups of all sizes
Small, mid-size, and large employer groups may be eligible, making captive-level advantages more accessible to firms that are often left out of traditional captive models.
Lower costs now and later
Competitive premiums up front, plus opportunity for money back after claims are paid.
Faster implementation timeline
Underwriting and onboarding completed in weeks, not months.
Built-in cost strategies
Network, pharmacy, and plan design strategies help address major drivers of healthcare spend.
Members Health Plan FAQs
MHP Captive is a nationwide health insurance captive built for brokers serving professional employers but is open to employer groups in any industry.
MHP Captive is designed for small to mid-size professional groups, including law firms, CPAs, medical practices, engineers, and similar industries. It’s also built for the brokers who specialize in these groups.
Unlike fully insured plans, MHP Captive offers greater transparency, more control over costs, and the opportunity for better long-term stability. It’s designed to reduce the volatility many employers experience with traditional renewals while maintaining strong protections.
Many captives are structured for larger employers and come with higher barriers to entry. MHP Captive removes common obstacles, such as pre-funding or excessive capital requirements, making captive-level advantages accessible to smaller groups without sacrificing discipline or performance.