Making the Switch to Self-Funding

Some businesses believe that they have no choice when it comes to health benefits.
Or they think that making a change is complicated and risky. So they stay with their current insurance company, and accept a double digit cost increase each year.
We believe you deserve a better – and smarter – alternative: The Roundstone
self-funded health insurance solution, a group medical captive.

How Self-Funding Captive Insurance Works

Self-funding is more flexible, cost-effective, and provides greater control and visibility into cost-drivers compared to traditional insurance.


For small to mid-size companies, however, self funded insurance has not always been practical. Roundstone makes it possible with the pooling of many employers in our group medical captive, the first of its kind. Since 2005, we have proven that banding employers together to achieve the efficiency and scale of a larger organization is the better way. ​

Our Guarantee to You

Two-thirds of our customers save enough in their first four years with us to pay the claims for their entire fifth year. And 100% save money, full stop. 


You will save money in the first five years or we’ll make up the difference. That’s our guarantee to you.

Watch and see how Roundstone helps employers provide better healthcare at a lower cost.

Roundstone By the Numbers

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average annual employer savings compared to fully-funded.

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average distribution to captive participants.

$ 0 M+

unspent captive premium distributed pro rata in 2021.

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amount below expected costs for groups in 2021.

Why Roundstone?

We’ve Got Your Back

Our dedicated team provides personalized service - a one-stop shop of experts, advocating for you.

Full Disclosure

We simplify your claims data and provide regular reporting, giving you transparency from dollar one.

Freedom of Choice

You have control over what your plan covers, ensuring your policies serve all employees and staff members.

Cash Back

Pay only for what you use and keep 100% of unspent claim funding and unspent pooled stop loss premium.

What Our Customers Say

Do Your Self-Funding Research


2022 Roundstone Roadshow

The Better Benefits or Bust Tour

2022 Roundstone Roadshow

Attend our VIP event to learn about a proven, financially effective solution designed exclusively for small and midsize businesses. We will give you a peek under the hood to see how you can manage this rising expense and still provide great benefits to employees.
Register Now
Summer Breeze Logo for Hero

2022 Summer Breeze Webinar Series

A Summer Six-Pack of Cool 30-Minute Refreshers

2022 Summer Breeze Webinar Series

These quick dips are designed for employers responsible for health benefits plans and benefits advisors looking to learn about the latest in self-funding.
View On-Demand

What Your Fully Insured Insurance Carrier Doesn't Want You to Know

Tired of rate increases and zero data transparency? Learn the secrets that will help you take control of how you manage healthcare benefits.

Is Your Company a Good Candidate for Group Captive Insurance?

Not sure if you could make a self-funded plan work for your organization or client? We've got you covered! Get this handy checklist and see.

The Roundstone Guarantee: How It Works

By participating in our group medical captive, we guarantee that you will save money in the first five years or we’ll make up the difference. Download this fact sheet and learn how it works.

3 Easy Steps to Get Started:


Schedule an Intro

– Learn about Self-Funding –

– Engage your Advisor –

– Request a Proposal –


STEP 2: 

Make a Choice

– Review Your Options –

– Customize Your Plan –


Start Saving

– Enroll –

– Implement –

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