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Captive
Management
Captive management helps employers and brokers retain the financial value created through better health outcomes, lower claims, and disciplined risk management - value an A-rated carrier would traditionally keep as underwriting profit.
Why should the insurance carrier keep the underwriting profit when you and your client are the ones improving the risk?
Vault provides the strategy, governance, oversight, and operational support needed to build and manage high-performing captive programs, giving employers greater control, clearer transparency, and a more stable long-term approach to healthcare costs.
Own the Layer Where the Profit Lives
Catastrophic claims are transferred to reinsurers - the plan is protected against the truly unpredictable.
Reinsurance
The predictable middle layer of risk - where carriers historically earn their margin - is owned by the participants instead.
Captive Stop-Loss Layer
The employer funds expected claims with full transparency into where every dollar goes.
Employer Self-Funded Plan
Surplus Returns to Participants
When the captive layer performs, the underwriting surplus doesn't disappear into a carrier's balance sheet. It can be returned as dividends to the people who created it - subject to captive performance and governance.
The captive is the structure.
Vault is the engine.
A captive only outperforms if someone actually manages the risk inside it. That's what Vault does every day as a full-service TPA.
High-touch service that guides members to better care and better outcomes.
Member Advocacy
Aggressive sourcing strategies on the drugs driving today's claim trends.
Specialty Rx Sourcing
Active management of the large claims that make or break plan performance.
Complex Case Management
Real-time visibility your clients can act on - and you can prevent.
Data & Reporting
SPDs, plan documents, and administration built and maintained in-house.
Plan Design & Compliance
We work through you - not around you. Your client relationship stays yours.
Broker Partnership
