ClearPoint Health is positioning Private Label Captives as a dedicated strategic offering, formalising a service it has supported since its founding. The West Palm Beach, Florida-based captive platform says the move reflects growing demand from organisations seeking health benefits infrastructure aligned to their industry, geography and long-term goals. The offering comes in two configurations. Private Label Programs (PLP) are designed for organisations beginning to aggregate employers and seeking near-term market entry, allowing advisers and employer groups to launch a captive strategy under their own brand while leveraging ClearPoint Health's broader captive community. The structure includes built-in underwriting guardrails, collaborative governance, white-labelled marketing and flexible vendor configurations. Private Label Cells (PLC) are aimed at organisations with established scale and employer commitment that are ready for isolated risk pools, independent economics, underwriting discretion and plan design flexibility. PLCs create dedicated captive cells supported by ClearPoint Health's operational, compliance and governance infrastructure. Both structures operate on ClearOS, ClearPoint Health's captive-centric operating system, which integrates plan administration, clinical cost management, employer engagement, vendor oversight and performance analytics within a single governed framework. Ashley Trahan, chief growth officer at ClearPoint Health, says: "The employers and organisations that perform best in Private Label Captives are those that share a common philosophy around healthcare risk management." She adds that Private Label Captives "give organisations the infrastructure to retain savings, increase transparency, and create long-term alignment." Jeb Dunkelberger, founder and chief executive officer of ClearPoint Health, says: "These are not generic health plan buyers. Organisations within the same industry often share common workforce dynamics, utilisation patterns, and incentives to improve outcomes. That alignment is where Private Label Captives perform best, and it's what we are designed to institutionalise." ClearPoint Health identifies its target verticals as provider-sponsored health plans, private equity portfolio companies, physician and clinical associations, municipal and public sector employers, franchise and hospitality groups, and trade associations and employer consortiums. The company points to a 2026 partnership with a statewide public sector association to launch a private label captive programme for public school districts as a working proof point. The initial cohort includes four districts representing approximately 19,800 employee lives, with further districts evaluating participation. The structure uses a size-adjusted risk participation model allowing districts of varying enrolment sizes to participate within the same captive while maintaining local flexibility, alongside association governance standards, financial eligibility requirements, vendor access, designated clinical management programmes, and onsite and near-site care integration. Gene Pompili, chief strategy officer at ClearPoint Health, says: "This programme demonstrates what's possible when organisations build around what they actually are. These districts share a workforce, a community, and a mission. That context created a programme tailored to their members in a way a generic carrier product never could." Every ClearPoint Health Private Label Program or Cell includes clinical oversight and performance measurement infrastructure. ClearCare combines proactive high-cost clinical management with payment integrity and fraud, waste and abuse surveillance. ClearPurpose delivers employer-specific performance tracking, optimisation strategies, benchmarking and financial incentive structures designed to reward engaged employers rather than dilute performance across the broader pool. "A captive without clinical management is simply a financial structure," says Dunkelberger. "A captive with clinical management becomes a performance engine. Private Label Captives allow organisations to build that engine specifically for their people and their goals." ClearPoint Health describes itself as a performance-based captive platform and alternative funding marketplace serving benefit advisers and employer groups.
