ClearPoint Health

What ClearPoint Health does

ClearPoint Health is a private alternative funding solutions provider that structures group captive insurance programs for small and midsize employers (typically 50-1,500 employees) seeking to move beyond passive annual renewal cycles toward performance-based health benefits management. Its core offering, ClearChoice Health Plans, is built on four integrated performance modules — ClearAdmin (governance and plan configuration with the SAFE partner vetting standard), ClearCare (clinical risk management including ClearGuard proactive intervention and ClearClaim payment integrity), ClearPurpose (employer engagement and incentive alignment), and ClearOS (a unified data and analytics platform powering monthly ClearCompass reporting). A proprietary Member Engagement Index (MEI) ranks employer engagement as Focused, Engaged, or Passive and ties financial rewards including underwriting surplus participation and favorable rate caps to performance scoring.

The company monetizes through three primary streams: captive insurance premiums from participating employer groups, program management fees for administering underwriting and clinical infrastructure, and underwriting surplus distributions tied to pool performance. Distribution is channel-led, relying on benefit advisors and insurance brokers who recommend ClearPoint's captive structures (Group Captive, Private Label Program, Private Label Cell, Single Parent Captive, CliniCaptive) to employer clients, supplemented by direct sales to larger employers and an in-house education platform (ClearU) that systematically builds advisor fluency in alternative funding.

The company is backed by Stone Point Capital via a strategic growth investment announced January 2024, is headquartered in Columbia, South Carolina, and is incorporated in Delaware as ClearPoint Holdings Inc. Recent strategic activity through 2025-2026 includes executive professionalization (CFO, CTO/Product Officer additions), product expansion (Evolved Captive, Private Label Captives, ClearRx PBM via Rightway), and vertical extension into community health centers via the NACHC partnership. Revenue, headcount, and financial details are not publicly disclosed.

Name

ClearPoint Health

Legal name

ClearPoint Holdings Inc.

Website

https://getclearpoint.com

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

11–50 employees

Short description

ClearPoint Health provides alternative funding and group captive insurance solutions to small and midsize employers (50-1,500 employees) through its ClearChoice Health Plans platform, distributed primarily via benefit advisors and brokers. Backed by Stone Point Capital since January 2024.

Ownership category

akta.pro rank

Product category

Group Captive Insurance / Alternative Health Benefits Funding

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292), Health and Welfare Funds (525120), Other Insurance Funds (52519)

SIC

Insurance Agents, Brokers & Service (6411), Insurance Carriers, Nec (6399)

akta.pro primary industry

Captive Insurance Advisory & Management (FSAEADAF)

akta.pro secondary industries

Self-Funded (ASO) Group Health Plans & Stop-Loss (FSAIAFAB), Stop-Loss & Reinsurance Administration (Captive/Level-Funded Support) (HLAEALAB), Level-Funded Group Health Plans (FSAIAFAC)

Keywords

• Group captive insurance
• Alternative health funding
• Employer health benefits
• Self-funded captive programs
• Performance-based benefits

Headquarters

HQ city

Columbia

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales

Revenue model

1. Captive Insurance Premiums: ClearPoint operates group captive insurance programs where member employers pool and share healthcare risk. The company earns revenue from insurance premiums collected from participating employers, with funds used to cover claims and generate underwriting surplus.
2. Program Management Fees: Fees for administering and managing captive programs including underwriting oversight, performance infrastructure, clinical systems, reporting, and administration support for Private Label and captive cell structures.
3. Underwriting Surplus Distribution: High-performing employers who meet engagement criteria may receive distributions from underwriting surplus generated by the captive pool, creating aligned incentives for cost management.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

ClearPoint Health operates and manages group captive insurance programs for employer-sponsored health benefits, pooling risk among aligned employers within structured community cells. Its core ClearChoice Health Plans model combines underwriting, administration, clinical oversight, and member engagement through four performance pillars (ClearAdmin, ClearCare, ClearPurpose, ClearOS). The company also offers multiple captive structures (Group Captive, Private Label, Single Parent, CliniCaptive) and supporting solutions including ClearU advisor education and ClearRx pharmacy benefits management.

Product overview

ClearPoint Health offers ClearChoice Health Plans, an integrated performance-based health benefits platform built for employers seeking alternatives to traditional insurance. The core ClearChoice model aligns four interconnected modules: ClearAdmin (governance and plan configuration), ClearCare (clinical risk management), ClearPurpose (engagement and incentives), and ClearOS (data and analytics). ClearPoint also offers multiple captive structures including Group Captive, Private Label Program/Cell, Single Parent Captive, and CliniCaptive for health systems. Supporting services include ClearU (advisor education platform) and ClearRx (pharmacy benefits management). The company operates primarily in the small-to-midsize employer (SMB) market, targeting businesses with 50+ enrolled employees seeking long-term performance improvement over annual renewal negotiations.

Differentiator

Problem solved

Functional benefit

Products and services

• ClearChoice Health Plans Integrated performance model for employer health benefits that aligns underwriting, administration, clinical oversight, and member engagement within a disciplined captive framework. Built for U.S. employers seeking alternatives to traditional fully insured plans.
• Group Captive Performance-based risk community captive structure that pools shared risk among aligned employers within a community cell under the ClearChoice framework, with underwriting surplus opportunity and active cost and clinical management.
• Private Label Program White-label captive structure that allows benefit advisors to design customized programs under their own branding while leveraging ClearPoint Health's established community captive cell and underwriting discipline.
• Private Label Cell Dedicated captive cell structure for advisory firms or group associations with sufficient employer scale, offering complete customization and autonomy within a dedicated employer pool inside ClearPoint's platform.
• Single Parent Captive Fully customized risk financing structure built exclusively for a single large employer (1,000+ employees), consolidating medical and property and casualty lines into a unified strategic risk platform.
• CliniCaptive Proprietary captive model for health systems and provider organizations enabling structured partnerships with employers grounded in clinical alignment and financial stability through provider-aligned risk financing.
• ClearRx Pharmacy benefits management solution developed with Rightway offering specialty drug evaluation, biosimilar assessments, and alternative sourcing opportunities to control pharmacy costs and mitigate laser risk.
• ClearU Education platform helping benefit advisors build fluency in alternative funding, from level-funded and self-funded fundamentals to captives, cost management, and account management, with role-based learning paths and modular on-demand content.
• Evolved Captive Risk Strategy ClearPoint's evolved captive risk strategy focused on accountability, measurement and support, and incentives as a unified offering within the ClearChoice model.

Quantifiable outcome

• Captive collateral represents approximately 3% of fully insured equivalent spend
• +3 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature5 records

Partnerships

Two partnerships are on record, tiered flagship and core.

• NACHC (National Association of Community Health Centers)flagshipStrategic or Co-development Partner · 26 June 2026NACHC partnered with ClearPoint Health to expand innovative health insurance solutions to community health centers. This partnership brings captive insurance solutions to the NACHC member network serving underserved communities.
• RightwaycoreTechnology or Integration · 10 February 2025ClearPoint Health partnered with Rightway on pharmacy benefits management solution called ClearRx. This proprietary PBM solution is integrated into ClearPoint's captive ecosystem and can be used as collateral for captive participation.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Brown & Brown: Diversified national insurance brokerage with an employee benefits segment that includes captive and alternative funding capabilities. Comparable as a broader incumbent that competes for the same mid-market employer benefits spend, but operates across many lines beyond health captives.
• Sun Life Financial: Major stop-loss carrier that underwrites the reinsurance layer beneath many group captive programs and self-funded employer plans. Comparable because it sits in the same captive value chain that ClearPoint helps assemble, and increasingly offers captive-adjacent services.
• Marsh McLennan: Global insurance brokerage and consulting firm with Mercer's benefits consulting arm. Comparable as a broad incumbent benefits advisor that shapes captive and self-funded buying decisions among large employers, though it operates at larger scale and with a broader portfolio.
• NFP (an Aon company): Property/casualty and benefits broker with a meaningful health and benefits practice and captive capabilities. Comparable as an incumbent benefits broker that competes with ClearPoint for advisor and employer relationships, though with a broader product portfolio.
• Voya Financial: Employee benefits-focused insurer and asset manager offering stop-loss, group benefits, and retirement products. Comparable because it is a larger player in the employer health benefits value chain adjacent to ClearPoint's captive and self-funded offerings.

Direct peers

• USI Insurance Services: Large U.S. insurance brokerage with a strong employee benefits and alternative funding practice. Comparable to ClearPoint because it sells captive and self-funded solutions through a broker-led channel to mid-market employer groups.
• Alliant Insurance Services: Specialty insurance brokerage with significant employee benefits practice and captive offerings. Comparable because it competes for the same benefit advisor and mid-market employer relationships through alternative funding and captive program management.
• RPS (Risk Placement Services): Wholesale insurance broker specializing in specialty and benefits placements including stop-loss and captive solutions. Comparable because it supports retail benefit advisors in structuring alternative funding and captive programs for mid-market employers.
• Holmes Murphy: Employee benefits broker with established captive insurance and alternative funding programs for employers. Comparable because it similarly combines broker distribution, captive structures, and risk-management services targeted at mid-market employer health plans.
• OneDigital: Large U.S. benefits-focused broker and advisory firm that operates group captive programs for mid-market employers. Directly comparable to ClearPoint because both offer captive insurance structures packaged with clinical and risk-management services for SMB and mid-market employers via an advisor-led distribution model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/clearpoint-health

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ClearPoint Health