Better Benefits. Better Life.
Helping employers do employee health benefits better, together.
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Roundstone recognizes and appreciates the important role benefits advisors play — that’s why we only operate through our network of trusted advisors.
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Stay up-to-date with the latest trends and learn about how small to midsize businesses can enjoy the benefits of self funded health insurance.
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FEATURED FAVORITES
Making the Switch to a Self-Funded Health Plan
Some businesses believe that they have no choice when it comes to employee 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 in company healthcare: 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 a practical choice for company healthcare. 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 savings compared to fully-insured.
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average distribution
to captive participants.
to captive participants.
$ 0 M
unspent captive premium distributed pro rata in 2022.
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latest retention rate
from captive.
Why Roundstone?
It starts with the way we make decisions. It shapes how we work with advisors and other partners. You feel it in the level of service that we provide. In everything we do, we are always aligned with the best interests of employers. Alignment is in our DNA.
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
Quality of care for our employees is a top priority. But we also want to keep savings as high as we can, so we can extend more benefits to our employees. Being able to access data has allowed us to tweak the plan where we need to show us real savings. When it came time for the last open enrollment, it was a much more palatable open enrollment number than it would have been if we were fully funded.
“We really wanted to improve the quality of care for our employees. It's neat to see your employees embrace the plan, learn how to navigate it and get things taken care of that they may have been ignoring. We’ve got great feedback from employees and good utilization rates. It’s been very exciting for them.”
We're both a benefits advisor and a Roundstone customer. Experiencing the benefits first hand of this higher quality health insurance plan, gives us added confidence and credibility with our own clients as we help them to navigate their own journey to self funded.
Do Your Self-Funding Research
2025 Medical Captive Forum
April 30 & May 1, 2025 | Cleveland, Ohio
Join us in celebrating the 10th anniversary of this transformative event as it returns to Cleveland. Explore how Roundstone’s Medical Captive Forum has paved the way for empowering employers with cost-effective healthcare solutions and be part of shaping the future of employee benefits.
Learn More 
Treating vs. Referring: The Role of Direct Primary Care in Managing Costs
Register Now
How innovative cost savings models like Direct Primary Care are making healthcare more affordable and accessible
Register Now 
The CFO’s Guide to Managing Escalating Healthcare Costs
Explore the financial impact of current employee benefits trends and discover if self-funding through a group captive is right for your company's healthcare. Download the eBook now.
NEW!
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:
STEP 1:
Schedule an Intro
– Learn about Self-Funding –
– Engage your Advisor –
– Request a Proposal –
STEP 2:
Make a Choice
– Review Your Options –
– Customize Your Plan –
STEP 3:
Start Saving
– Enroll –
– Implement –
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