Share the risk. Keep your plan. Get the profits back.
For employers with 50 or more enrolled employees: join a member-owned captive where well-run companies share a defined layer of medical claims risk and purchase stop-loss reinsurance collectively — at terms no single employer gets alone. When the pool performs, underwriting profit returns to the members who earned it. And membership never means uniformity: every employer keeps its own plan design.
Underwritten with a dedicated MGU partner · Quoting employer groups nationwide
Your well-run plan subsidizes someone else’s bad year.
Pooled With Strangers
Renewal increases with no line-item story behind them.
A Number, Not an Explanation
A handful of high-cost claimants drive most of the spend — and nobody is managing them.
No Plan for the 5%
Purpose-built to reduce risk
across healthcare.
Purpose-built to reduce risk across healthcare.
Collective buying power
Specific and aggregate stop-loss purchased across the membership, not group by group.
Your plan, your design
Each member employer keeps its own plan design, network strategy, and contribution structure.
Profit flows back
Underwriting profit returns to member employers instead of settling on a carrier’s balance sheet.
Renting your health plan stopped working.
HealthBus is ownership.
An integrated benefits platform: captive stop-loss, transparent pharmacy, and nurse-led care navigation in one quoted product — with the plan’s economics pointed back at the employer. HealthBus contains costs, shares best practices, and returns profits: a stable, transparent solution in today’s hardening stop-loss market.
~$1.25M
First-year client savings vs. the incumbent carrier (2024 case study)
196 → 326
Enrollment growth after deductibles and co-pays were cut in half
$0
Employee cost for navigated services