For employers and the brokers who advise them
More control over healthcare costs. Less work for your team.
Every Blackwell membership includes proactive cost containment. Employers share the cost of big claims, and every member gets help with what drives those claims, not just who pays for them. We handle the setup and follow-up, so you have a plan you can explain.
Not sure it fits? We’ll tell you if Blackwell makes sense.
the problem with how plans are managed
Most plans are managed once a year. Claims happen every day.
Decisions happen too late
Most decisions happen during renewal, after the claims have already occurred.
The causes are hard to see
Fragmented data makes it difficult to identify which conditions, providers, or prescriptions are changing plan performance.
Responsibility is divided
The broker, underwriter, vendors, and employer may each see one piece of the problem. No one is coordinating the full program.
Want a second look at a plan?
Send the current funding setup, the renewal pressure, and any claims data you have. We will tell you plainly whether Blackwell fits and what the most useful next step is.
How Blackwell delivers
How Blackwell Gives You More Control with Less Work
Proactive risk management for every member
Every member must address all five B.Well Blueprint risk-management categories. Members can use the included solutions or qualifying vendors they already work with.
The same risk management across the risk pool
Every employer joining the captive must have proactive risk management in place. Members know the requirement applies across the pool.
Blackwell handles setup and ongoing coordination
Blackwell coordinates contracts, implementation, partner and TPA follow-up, and ongoing program management. B.Well Connect reduces separate data connections.
Five Benefits, included with membership
Aimed at the claims that drive cost: kidney disease, cancer, pharmacy, and navigation gaps.
For your employees
Care navigation
Helps members find care and understand their benefits.
Outfox Health
Kidney care
Supports kidney health and dialysis cost management.
Renalogic
Cancer support
Connects members with expert oncology guidance.
Cancer Expert Now
For your team
Analytics
Identifies population health risks and cost drivers.
Springbuk
Pharmacy
Reviews PBM pricing, terms, and pharmacy strategy.
B.WellRx, powered by Navion
B.Well Connect: one data connection, one implementation, every B.Well partner.
Included in Blackwell captive participation at no additional PEPM charge, subject to program terms. Blackwell coordinates the setup.
The work Blackwell takes on, so you don't have to
Managing each partner separately
A separate contract with each partner
A separate data connection to each solution
Separate follow-up with each partner and the TPA
An implementation plan you build and track yourself
With Blackwell
Consolidated contracting and one implementation plan
One data connection through B.Well Connect
One program-management contact
Ongoing partner and TPA follow-up handled by Blackwell
Which integrations apply is confirmed during implementation. Savings and clinical outcomes are not guaranteed.
Get the B.Well Blueprint Overview →One Data Connection to Every B.Well Solution
B.Well Connect connects the TPA to the risk-management solutions through one data connection, so there are fewer separate connections to build and manage.
Which integrations apply is confirmed during implementation.
Connects the TPA to
Members can use the included solutions or qualifying vendors they already work with. Which integrations apply is confirmed during implementation.
Delivering Better Care Through Better Partners
Proven care strategies that drive real cost savings at the best price.
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what is a captive? The plain-English version
Yes, it’s called a “captive.” No, nobody is being held hostage.
The name is old insurance jargon, and it stuck. The idea is friendlier than the word: a group of employers that share the cost of big, unpredictable claims, so no single employer carries them alone.
Your everyday claims
Each employer pays its own day-to-day claims directly, instead of paying an insurer a fixed premium.
The shared layer
The group shares a defined slice of the larger claims. When the group has a good year, employers may receive surplus.
Stop-loss insurance on top
Insurance covers the very large claims, so one expensive case is less likely to wreck your budget.
What employers get: more say in their plan, a chance at surplus when claims run better than expected, and fewer budget surprises.
Still not sold on the name? Start here →Medical Stop-Loss Captive Guide
A plain-English overview of how it works, what employers should expect, and how fit is evaluated.
Download the guide →Everyday claims (you pay these)
Shared with the group
Stop-loss insurance on top
Client results
How One Conversation Changed Everything
Case study · Medical device manufacturer, 228 employees
Completing the self-funding shift
A group that had circled self-funding for three years, cycling through PEO transitions and plan buy-downs without ever committing, finally moved forward once the conversation shifted from pricing comparison to risk structure.
Read the case study“Staying fully insured long-term is a losing strategy.”
For cannabis employers
A Health Program Built for the Cannabis Industry
Cannabis employers often have fewer health plan options than businesses in other industries. Humboldt Health is a group plan built for them: employers share the cost of large claims, an A-rated insurance carrier covers the biggest ones, and cost management is built in.
For cannabis employers with 25 or more enrolled employees, and the brokers who advise them.
Explore Humboldt HealthHave a client to discuss?Who is blackwell for?
Built for groups that want to manage their healthcare plan like a business.
Blackwell is built for mid-sized employers, generally starting around 50 enrolled lives, and the brokers who advise them. Not every group is the right fit, and we would rather say so early.
A strong fit
Renewal increases, limited market options, or a recent shock claim.
Heavy pharmacy or chronic-condition spend.
Leadership that wants to see what drives cost and will act on it.
A multi-year view, with enough time to evaluate before the effective date.
Probably not a fit
Groups looking only for short-term premium relief.
Employers who want cost containment to be optional.
A set-it-and-forget-it approach to benefits.
Decisions made on the lowest admin fee alone.
From Blackwell
Your Stop-Loss Premium Should Do More Than Cover High-Cost Claims
For self-funded employers, stop-loss insurance serves an important purpose. It provides financial protection when medica...
What’s Driving Healthcare Renewals in 2027?
Your claims matter. So does the market you are renewing into. Segal’s 2026 medical stop-loss data shows an average premi...
Monthly Captive Reporting: Why Earlier Visibility Matters
Most captive reporting explains what already happened. Blackwell and Luzern Risk give brokers and employers a first-of-i...
Ready for a better healthcare strategy?
Send the current funding setup, what is driving cost, and any claims information you have. We will tell you plainly whether Blackwell fits and what the most useful next step is.