ClearPoint Holdings (ClearPoint) has launched ClearPoint Health (CPH), a medical stop-loss captive and employer services platform. The platform will be focused on benefitting advisors and small to mid-sized employers. Based in Columbia, South Carolina, ClearPoint’s platform looks to deliver freedom of choice and community for small to mid-sized employers. It also aims to empower more employers and benefit advisors to transition their employer health benefits to its integrated insurance programme. CPH was founded by a group of clinicians, underwriters, technologists, and risk management professionals, led by co-founder and CEO, Jeb Dunkelberger. Members using the ClearPoint health platform can elect their service partners, including third-party administrators, pharmacy benefit managers, networks, clinical cost management and clinical quality improvement enhancers. CPH offers full transparency on all fees, progressive stop-loss programmes, root-cause claims analytics and intelligence. ClearPoint says its entrance into the medical stop-loss marketplace comes as captives enter a new era of growth. This period is characterised by broadening commercial market adoption, led by employers shifting to self-funded arrangements. Dunkelberger comments: “Ask any employer offering health insurance and you’ll hear that we’ve already reached a financial breaking point!” He adds: “Today’s captives have trailblazed a new model for employer-sponsored insurance, but unfortunately still leave material value on the table due to a continued reliance on reactive clinical point solutions over a holistic, predictive, and integrated approach to quality and cost management. We’re here to introduce a new standard to the market.”
