What if your company could cut health insurance costs by more than half — without sacrificing service or flexibility?

Union recently worked with a New York–based medical waste transportation firm facing annual health insurance premiums of over $1.2 million. By transitioning to a health insurance captive with Union Risk, they now pay $450,000 — a savings of more than 60%.

Why Captives Outperform Traditional Insurance

• Greater control over underwriting and claims
• Lower fixed premiums with stop-loss protection from A-rated carriers
• Flexibility to make real-time employee or plan changes mid-year
• Streamlined administration through a dedicated third-party administrator
• Turns insurance expense into an asset

The result? Over $750,000 in annual savings — while maintaining benefit quality and increasing plan flexibility.

Read the Full Case Study

Learn exactly how this client achieved transformative results by moving to a health insurance captive.

 Read the Case Study

Is Your Organization a Fit?

Captive health insurance works best for organizations with:

• Rising employee benefit spend
• A desire for more flexibility and control
• An openness to retaining risk with built-in protection

Let’s talk.

We’d be happy to run a no-obligation feasibility study to see how much your company could save.

Stay safe and prosperous!