Disrupting a broken healthcare system

The status quo isn't cutting it. Most brokers offer just two methods of health insurance: fully-insured plans, where employers often pay for more coverage than they need; or self-insured plans, where employers are left to grapple with large claims and unpredictability. Neither option addresses a mid-sized client's biggest challenges. That's where captive insurance comes in.

Group Captives — Changing the Face of Healthcare Delivery
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What makes captive insurance
a superior solution?

Where fully-insured and self-insured healthcare falls short, captive insurance covers all the bases. Pareto’s captives introduce a cooperative twist to the traditional self-insured model by leveraging strength in numbers to support employers going through tough times.​

Captives, Explained

Who, what, how, and why (and why now), in layman’s terms.


GET THE 101
Giving Brokers the Advantage

Vetted broker partners see significant business growth and enjoy high retention rates.


GET AHEAD OF THE COMPETITION

Why Pareto?

Pareto Health is a leading employee benefit group captive manager that helps mid-sized businesses self-fund and access high-quality health benefits with greater savings and lower volatility. With over $400M in stop-loss premium under management, 300,000 lives covered, 1,100 active employers, and a 97% retention rate, we are uniquely positioned to help your clients adopt smart, sustainable, multi-year strategies to optimal healthcare delivery.

  • 5 Reasons Brokers Partner with Pareto
    5 Reasons Brokers Partner with Pareto

    It's not just employers who benefit from Pareto's programs; brokers have a lot to gain from becoming an exclusive partner.


    SEE WHY
  • By the Numbers
    By the Numbers

    Our model works. Check out our track record.


    SHOW ME

Customer Success Stories

Don't just take our word for it. Meet Pareto Health captive members who have taken control of their healthcare costs.

Case Studies
A $300,000 Savings (in Year One Alone)

Aggressive implementation of preventive healthcare programs saved this non-profit from potentially going out of business.


SEE HOW THEY DID IT
Better Benefits, Better Rates (Lasers and All)

Frustrated with ever-rising costs in a fully-insured plan, this construction company found themselves paying less for a higher volume of claims in a group captive.


SEE HOW THEY DID IT
Shouldering High-Value Claims (and $1.5M Saved)

High-value claims are the bane of self-insured healthcare, but this fintech company mitigated their overall healthcare costs through a custom plan.


SEE HOW THEY DID IT
Testimonials

“We’ve been able to design our plans in a way that supports our employees and their needs, while at the same time spending the company’s benefit dollars wisely.”

Kat Tarver, Human Resources Manager, Foresight Group

“We didn’t really have to cut anything out. You actually have more control than you do when you go… with a fully funded plan. Under this plan, you get to choose what you’re going to cover.”

Todd Camp, Superintendent, Metropolitan School District

“It literally changed the way people thought about healthcare, and I can’t emphasize enough the positive feedback as an employer.”

Drew Meyerowich, Chief Operating Officer, Holland 1916

“I am convinced every meeting that they’re on the leading edge of healthcare cost containment, and really… the unsung hero.”

Tom Schultz, Chief Financial Officer, CGR Products

Free Upcoming Webinar Series

Win more Q4 deals with captive insurance and cost containment that works. Drop us a line below and we’ll save you a seat.

Consultant 101

Learn how to break the cycle of one-year renewals and never-ending premium increases, and differentiate yourself by delivering your clients a smart, long-term solution.

Aug 5 | Aug 12 | Aug 19 | Aug 26 | Sept 16 | Sept 30​
Cost Containment

Risk financing is just one part of the Pareto mission. Learn how Pareto strives to optimize health and care delivery for your clients through our integrated solutions and strategic resources.

Sept 9
Third Party Administrator

Key to any successful self-funded benefit plan is the partnership with a quality Third Party Administrator or ASO carrier. Join Pareto as we discuss the strategies and partnerships that will help you create successful TPA platforms for your clients.

Sept 23
PRx Consortium

Join us to learn how we deliver a 5% to 25% savings on total drug costs over typical pharmacy benefit manager arrangements—and an immediate savings of 1% to 3% of an employer’s total healthcare costs.

Sept 15
Beyond the Spreadsheet

A deep dive into who we are, what we do, and the vetted broker partners we attract. Participants will receive the knowledge, confidence, and tools needed to see early success.

Aug 11 | Aug 25 | Sept 8 | Sept 22

Let's Talk

Want to make this year a banner year? We’re looking for partners who like to let the scoreboard speak for itself. Kick off the conversation and we’ll be in touch.​

Thank you for reaching out to us! Expect to hear back from our team shortly. In the meantime, we would really appreciate it if you could take a moment to answer three easy survey questions. Your response really helps us to improve the way we serve our clients.
How many employers with 50 to 500 enrolled employees do you personally work with today?
Which is the majority funding option for your employers today?
How much experience do you have with the captive model?
Thank you for submitting your response! You'll hear from us soon.