An employee benefits group captive offers many insurance benefits for business owners. From financial rewards for health and wellness performance and renewal stability to peer group support and sharing, it's easy to see why a company would strive for captive ownership. But what if your business has fewer than 50 enrolled employees on a health plan?


Meet APLUS.


Designed for small to midsize businesses, APLUS is a simple-funded captive program designed for best-in-class companies committed to improving employees' health with a long-term solution.

What does "Simple-Funded" captive mean?
A simple-funded captive is similar to a level-funded captive, meaning APLUS members will have a known maximum liability and be funded to that maximum liability with a fixed monthly payment. However, when excess funding is available at the close of the policy year, members will receive 100% of additional dollars from their claims fund as profit.

How is APLUS bundled?
APLUS members are required to use an independent Third-Party Administrator. This trusted TPA partner has access to multiple nationwide networks and a Medicare+ option similar to reference-based pricing.

Who is an ideal APLUS candidate?
Ideal captive candidates will have 25+ covered employees on their health plan and desire control over their health insurance expenses. Candidates will have above-average demographics, good historical renewal experience, and a focus on employee well-being. Strong corporate leadership is essential to the member's success.

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Are you ready to redefine your approach to health insurance and step into a future where you're in control?


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