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Employee Satisfaction Feels Good.

Get Health Insurance for Your Business That Feels Good. 

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Employee-Friendly Health Insurance

Does your company want to provide great benefits to employees, but wondering why you keep paying more and getting less satisfaction? Are you frustrated with the lack of transparency, control, and flexibility in designing your health plan for your unique business needs? Are your employees frustrated by their experience navigating and using your health plan? 


Stop the pain! Welcome to a new era of health insurance, where ease and satisfaction are the norm. Welcome to Roundstone. 

Affordable and High-Quality Health Benefits for Your Employees 

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Make It Personal.

There’s nothing more personal than healthcare, so why not create a health insurance experience that is more personalized? Roundstone enables employers to create customized health plans based on their workforce’s needs and then refine them over time with insights and trends from claims data. This approach not only helps control costs but also empowers employees to be more engaged with their healthcare. 

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Improve Employee Satisfaction.

Providing top-tier benefits is key to enhancing employee satisfaction and retention. Employees satisfied with their health benefits are more likely to stay with your company. This involves offering excellent health coverage, maintaining low employee premium contributions, and delivering a concierge-level experience through various support channels.  

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Control Healthcare Expense.

Switching to self-funded health insurance in a captive gives you transparency and control. It ensures that you pay only for the healthcare you use and protects you from volatility and high-cost claims. You gain long-term control of healthcare spending and avoid stressful annual rate increases.  

Discover Your Savings with Roundstone

Annual double-digit health premium increases have become the norm. Small and mid-size businesses are forced to shoulder this financial burden year after year. But there is a better alternative. Companies are banding together in a health insurance pool to increase control and reduce the cost of their medical benefits spend. It’s called a group medical captive – and it works!


Enter the current number of employees enrolled in your health plan and your current fully-insured premium amount. We will instantly calculate how much the captive solution can save you over 5 years.   

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Projected 5 Year Savings:

Your Savings Add Up Over Time

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Guaranteed Savings

With the promise of consistent, significant savings over a five-year span — and a guarantee to cover any difference — you can enjoy both the financial benefits and peace of mind.

The estimate provided by this calculator is based on the premium information supplied by you. The estimate is not an exact calculation of your actual premium costs and does not reflect all of the terms, conditions, limitations and exclusions that may apply specifically to the coverage and particular services provided in your employee benefit plan. Please be advised the information you input has not been reviewed by Roundstone and the Projected 5 Year Savings Calculator is intended to be a reference tool.

Real Clients, Real Stories, Real Success

Read how small and mid-size businesses are benefiting from the Roundstone solution. 

Frequently Asked Questions

Self-funded insurance means the employer pays the healthcare claims of employees through a third-party administrator (TPA) and buys stop-loss insurance for coverage of high-cost claims.  

Roundstone manages a stop-loss group medical captive that pools many small to midsize businesses together to share costs. A captive lets you experience the advantages and savings of a self-funded insurance plan without the risk and volatility.   

In a self-funded stop-loss captive, employers are responsible for healthcare costs up to a specific deductible, typically $16,000 to $25,000 per employee, or a set aggregate deductible. Expenses above the deductible are then paid out of stop-loss, covered by the captive, up to $500,000. Claims above $500,000 are paid by reinsurance to avoid the expense of catastrophic claims. The employer is protected at every level. 

With our three-tiered model, you pay for healthcare costs up to a specific deductible, you share some costs above that deductible across a pool of hundreds of other employers in the Captive, and finally, you shift costs to a stop-loss carrier to cover catastrophic claims. The Captive, with its thousands of lives, acts as an additional protective layer that absorbs risk, reduces stop-loss fixed costs, and gives smaller companies the advantages of self-insuring like the Fortune 500s. 

Traditional insurance typically means high premiums, 100% fixed cost regardless of healthcare used, and little control over plan design. Selffunding allows you to pay only for the healthcare used, leverage high control over benefit design for your employees needs, and gain data insight to lower costs and increase savings and quality. 

Absolutely not. Plans are customized to the individual care needs of your employees. Roundstone’s solution gives you complete flexibility in plan design. You end up with great healthcare at a lower cost. And the best part is that you can evolve and optimize your plan as you learn more from your claims data for a highly effective long-term healthcare strategy. 

Optional data-informed optimizations and curated solutions that will save your group money throughout the year, based on your population’s health and wellness needs and desired outcomes. 

Any unused premium from the Captive is returned annually to employers on a pro rata basis. Annual distributions are based on Captive performance – not one individual company. You can still receive a distribution even if you had a bad claims year. 

Aligned with ONLY YOU in Mind

See how Roundstone makes health insurance feel good!

ROUNDSTONE is an innovative employee health benefits company. We help small and midsize organizations offer competitive benefits at a lower cost by self-funding health insurance through our group medical captive. The Roundstone Captive enables companies to self-insure safely by pooling hundreds of employers together to share risk and save money. With easy onboarding and personalized support every step of the way, the Captive offers control, flexibility, transparency, and returns all savings back to employers where they belong. We believe in always aligning with the employers’ best interests and remain committed to our mission – quality, affordable healthcare and a better life for all.

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