In this episode of Blueprints for Better Benefits, we introduce the strategy that transforms self-funding from a smart decision into a stable, long-term solution: Captives.

Up to this point in the series, we’ve covered the core building blocks of better benefits, self-funding, stop-loss protection, transparent PBMs, GuidedEdge, and integrated cost containment. But even with a well-designed self-funded plan, many employers still worry about volatility, big claims, and unpredictable renewals.

That’s where captives come in.

In this segment, we explain why Triforta views captives as the ultimate form of “sleep-at-night risk control.” By pooling risk with thousands of like-minded employers, captives stabilize costs, smooth out claims volatility, and give employers predictability that simply doesn’t exist in the fully insured world.

We walk through:

• Why Triforta partners with captives and how they empower employers to regain control
• The scale behind the captive model, including 3,000+ employer members, over 1 million covered lives, and billions in healthcare spend under management
• How a 30% stop-loss renewal cap and no-new-lasers policy protect employers from disruptive rate spikes
• Why captives act as a shock absorber, smoothing the highs and lows of claims experience
• How stop-loss premiums flow through the captive, and why member-held capital reserves are an asset, not an expense
• The renewal methodology that replaces extreme volatility with predictable, manageable increases

We also review real-world outcomes, including:

• Average first-year savings of 7.5% for employers transitioning into the captive
• 82% of employers saving money in year one
• And for those who don’t save initially, why the captive model still prevents the kind of crushing premium hikes common in fully insured plans—and positions employers to recover and win long-term

This episode makes one thing clear: captives aren’t about chasing short-term wins. They’re about building stability, predictability, and resilience into your healthcare strategy, so employers can plan confidently, even in uncertain claims years.

Episode Highlights

• Why captives are the foundation of long-term self-funding success
• How Triforta uses captives as a built-in shock absorber
• What “no new lasers” and renewal caps really mean for your budget
• How collective scale unlocks leverage individual employers can’t achieve alone
• Real case study outcomes from employers who made the move

Learn More & Connect

Interested in adding stability to your benefits strategy?

📩 hello@triforta.com 🌐 https://www.triforta.com/education 🔗 LinkedIn: @Triforta-partners

We are Triforta, and this is how employers take control, reduce volatility, and finally sleep at night.