Group Captive Health Insurance Plans

Group Captive Health Insurance Plans2022-07-26T17:07:28-04:00

Take control of your employee benefits.
Make the switch to a self-funded model.

With insurance rates increasing year after year, wouldn’t you rather have more control over your costs and the opportunity to save money? Fred C. Church has a solution that, in the past, may have seemed out of reach for you—a medical group captive.


Percentage of captive members who save enough in their first four years to pay the claims for their entire fifth year.

A Better Approach

What is a medical group captive?

As a benefits administrator, your primary responsibility is securing the most comprehensive health insurance plan at a rate that both the business and the employees can afford without sacrificing care. Medical group captives have become an attractive solution that might help you stabilize costs and offer better plans for your employees.

At its essence, a medical group captive is simply a group of business owners coming together to self-fund their health insurance benefits. You can typically lower your insurance premium by joining forces, designing plans that work best for you and your employees, and even receiving any unused money back at the end of the plan year.

Photo of a businesswoman at her laptop

Enroll Today

Take Back Control

There was a time when your organization or school might have been considered too small to participate in a medical group captive, but that’s no longer the case. Many businesses, including educational institutions, manufacturers, and outdoor and adventure-based companies, now have access to a highly regarded medical group captive through Fred C. Church.

Click “Get Started” below to fill out the form and see if your business qualifies.

Plan Benefits

Why Choose a Fred C. Church Group Captive Health Insurance Solution?

Our team will guide you in designing a group benefits program that enables you to free your company from the restrictive standard market health insurance. Some of the benefits are:

Sharing the Risk

By sharing the risk, you can reduce year-over-year cost unpredictability.

Saving Money

When claims are less than expected, the employer retains 100% of the savings.

Plan Flexibility

You design the plan that best meets the needs of your employees.

More Transparency

Access to your claims data allows you to identify cost-savings opportunities.

Happier Employees

Higher-quality, more affordable health care leads to a better life for employees.

Better Service

Our experienced team provides personalized service and support.

Get Started Today

It’s as Easy as 1-2-3

Now that you’ve learned a little about the benefits of a medical group captive enrolling is easy.



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I have been working with the Fred C. Church team for over twenty years and the reason I stay there is their commitment to customer service and the relationship that has developed over the years. I trust them to do the best for me personally and my company. I started with them providing our property and casualty insurance and it has progressed to my homeowners insurance and all of our health insurance and benefits.

Frank Granara, President & CEO at General Insulation

Fred C. Church was by far the most productive call I made when our school had a serious fire on campus. Knowing that I was going to be warmly and professionally counseled provided me great confidence as I placed that difficult call on a Saturday in August.

Ed Griffin, Chief Financial Officer at Pomfret School

Fred C. Church does more than say, “It’s the people.” They practice, “It’s the people.” From their unmatched and outstanding customer service and follow-up to their commitment to negotiating the best policies for the fairest price, the people at Fred C. Church exceed our expectations every day.

Linda Lyons, Director, Human Resources at Brockway-Smith Company

We turned to Fred C. Church because we wanted an insurance broker that understood our needs as an employee-owned company. Not only did we get that, but we also got a company that has helped us navigate some complex business issues that we have experienced as a government contractor. We have found the people of Fred C. Church to be a valuable partner in helping us run our business better.

Donald Reynolds, Vice President of Finance and Administration at Charles River Analytics

Fred C. Church is not just an insurance broker that you only see at renewal but a trusted partner that will work alongside us to help us align our insurance program with the organization’s strategic goals. I know when I need them that they will be there for me.

Dawn Barker, Vice President, Human Resources at RiverWoods

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We’re committed to doing our very best for you.