MHP Captive™ from Members Health Plan helps benefits brokers bring a more practical health plan option to your clients and prospects. MHP Captive is available throughout the U.S., with a structure designed for small, mid-size, and large groups.
Your client owns the business. You own the advisory relationship. Members Health Plan supports behind the scenes so you can lead a better health plan conversation.
MHP Captive is a health insurance captive for employers that want more control over healthcare costs than a traditional fully insured plan typically provides. Employers share risk with similar groups, use a pre-aligned service model, and may receive unused claims dollars back after runout and reconciliation.
Your clients are asking tougher questions:
Members Health Plan gives brokers a credible option for clients who are ready to look beyond fully insured plans but do not want to assemble every captive component on their own.
Employers often want benefits that can keep up with hiring, retention, and budget needs. MHP gives you a reason to bring a new plan conversation to small and mid-size clients who are looking to compete with larger employers.
MHP Captive does not require a separate upfront capital contribution and can be considered for most group sizes from large to small. In addition to removing those barriers to entry that can prevent employers from qualifying, MHP Captive also uses a curated vendor model, including TPA, PBM, network, and stop-loss components, so your client is not starting from a blank page.
MHP Captive builds on nearly a decade of group health plan experience and 40+ years of group benefits work. Brokers can also point to established operational partners, network access, pharmacy cost management, and a surplus return opportunity after runout and reconciliation during client conversations.
8+ years
of group health plan success informing the captive model
$0
upfront capital contribution
100%
of surplus returned to the plan after runout*
*Subject to plan performance and applicable terms.
The process starts with the client information you already use in renewal conversations, then moves through fit review, proposal, plan design, and implementation.
Submit a census and plan details.
Confirm client is a good fit.
Review the proposal.
Finalize plan design.
Enroll with implementation support.
A health insurance captive is a funding arrangement where employers group together to share risk and take a more active role in managing healthcare costs. MHP Captive adds a pre-aligned service model, so neither brokers nor their clients have to select every major partner on their own.
Employer groups of 5 or more enrolled employees are eligible to apply for MHP Captive.
MHP Captive does not require a separate upfront capital contribution. Employers still pay the agreed plan funding, administration, stop-loss, and related costs shown in the proposal.
At the end of the contract period, claims continue through a runout period. After reconciliation, eligible employers may receive 100% of unused claims dollars according to plan terms.
Fully insured plans usually leave employers with limited visibility into where dollars go and no direct way to receive unused claims dollars back. MHP Captive gives employers more involvement in funding, claims performance, pharmacy strategy, network use, and plan review.
MHP Captive uses a pre-aligned service model intended to reduce the time required to set up the plan compared with many traditional captive arrangements. Timing depends on the client’s census, underwriting review, plan selections, enrollment timeline, and state requirements.
No. The broker remains the client’s lead advisor. Members Health Plan provides plan support, education, proposal help, and implementation resources while the broker keeps the relationship.
Have a client facing a tough renewal or asking for a longer-term funding option? Send Members Health Plan a few details. The team can help review fit and outline the next step.
