StayWell Insurance

What StayWell Insurance does

StayWell Insurance (legal entity StayWell Guam Inc.) is a private regional insurance carrier founded in 1982, headquartered in Hagåtña, Guam, with a secondary operations office in Saipan serving the Commonwealth of the Northern Mariana Islands (CNMI). The company underwrites and distributes a multi-line insurance book spanning individual and group health plans, auto, home, and CNMI Dental+ dental coverage, with pharmacy benefits management routed through MedImpact. Its core operational differentiator is provider network breadth — StayWell contracts with over 95% of healthcare providers on Guam and CNMI — and AAAHC accreditation as a quality/compliance signal.

The technology stack is built on third-party platforms rather than proprietary systems: HealthX powers separate member, employer, and provider self-service portals for the health line, while CSR24 provides the home and auto customer portal. MedImpact handles PBM, drug recall notifications, and market withdrawal communications. The company layers member-engagement features on top of its core insurance products, including the EnjoyLife! wellness program, the StayWell Perks discount partnership program, and a Health Risk Assessment tool. Distribution is direct via phone (Guam and CNMI numbers), online quote requests, and the portal ecosystem, supported by a content/news channel on the corporate website.

Revenue is generated through recurring insurance premiums across health, auto, home, dental, and pharmacy benefit lines, with quote-based monthly billing for individual and employer group plans. Specific pricing is not publicly disclosed. The customer base is split between individual consumers and employer groups across Guam and CNMI, two small island markets with a combined population of roughly 220,000, and the company has 51-100 employees with no disclosed parent company, ownership structure, or external funding.

Name

StayWell Insurance

Legal name

StayWell Guam Inc.

Website

https://staywellguam.com

Company type

Private

Founded year

1982

Operating status

Operating

Headcount range

51–100 employees

Short description

StayWell Insurance (StayWell Guam Inc.) is a private regional insurance carrier founded in 1982, underwriting health, auto, home, and dental coverage for individuals and employer groups across Guam and the Commonwealth of the Northern Mariana Islands.

Ownership category

akta.pro rank

Headquarters

HQ city

Hagåtña

HQ country

Guam

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums: Recurring insurance premiums collected from members and employers for health coverage, including contracted provider networks on Guam and CNMI.
2. Auto & Home Insurance Premiums: Property and casualty insurance premiums for auto and home coverage offered to Guam and CNMI residents.
3. Pharmacy Benefits Management: Pharmacy benefits included in health plans, coordinated through MedImpact for drug recalls and market withdrawals.
4. CNMI Dental Plus: Dental coverage specifically offered to CNMI residents.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

StayWell Insurance (StayWell Guam Inc.) is a regional insurance provider offering health insurance plans, auto and home insurance, pharmacy benefits, and dental coverage (CNMI Dental+) to residents of Guam and the Commonwealth of the Northern Mariana Islands (CNMI). The company contracts with over 95% of healthcare providers on Guam and CNMI, and supplements its core insurance products with the EnjoyLife! wellness program, StayWell Perks discount program, and a Health Risk Assessment tool.

Product overview

StayWell Insurance (StayWell Guam Inc.) is a regional insurance provider offering a unified portfolio of health and property insurance products for residents of Guam and the Commonwealth of the Northern Mariana Islands (CNMI). The core offerings include Health Plans with broad provider access (over 95% on Guam and CNMI), and StayWell Home & Auto Insurance for property coverage. Supporting health modules include the EnjoyLife! wellness program, Pharmacy Benefits with MedImpact drug recalls, CNMI Dental+ for dental coverage, and StayWell Perks for member discounts. Members, employers, and providers access services through separate HealthX-powered online portals. The company also provides community resources, compliance information, and news updates through its website.

Differentiator

Problem solved

Functional benefit

Brands

• EnjoyLife! Program: Health and wellness program offered by StayWell to its health plan members.
• CNMI Dental+
• StayWell Home & Auto Insurance

Products and services

• Health Plans

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Five partnerships are on record, tiered core and minor.

• HealthXcoreTechnology or IntegrationHealthX provides the secure member, employer, and provider portal platforms for StayWell customers to access plan information, manage coverage, and verify benefits. Members access via https://secure.healthx.com/staywell.member, employers via https://secure.healthx.com/staywell.employer, and providers via https://secure.healthx.com/staywell.provider.
• CSR24coreTechnology or IntegrationCSR24 provides the Home & Auto Insurance portal platform for StayWell customers. Accessible at https://portal.csr24.com/?ak=2028626304 for policy management.
• StayWell Perks PartnersminorGTM or Marketing PartnerVarious business partners offering exclusive discounts, free giveaways, and monthly prizes to StayWell members. Members present their StayWell card at partner locations to receive perks.
• MedImpactcoreTechnology or IntegrationMedImpact manages StayWell's pharmacy benefits, including drug recalls and market withdrawals. StayWell publishes MedImpact Drug Recalls and MedImpact Market Withdrawals announcements to members.
• Guam Regional Medical Center (GRMC)minorStrategic or Co-development PartnerStayWell members receive care at GRMC. StayWell issued notice to members regarding GRMC billing statement issues, where some recent billing statements may have included charges not owed by patients. GRMC identified and is correcting the issue.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Direct peers

• TakeCare Insurance Company International: Direct competitor headquartered in Guam with health and life insurance products serving both Guam and CNMI residents. Most comparable peer given overlapping geography, customer base, and product lines (health, dental, pharmacy).
• Calvo's Insurance Underwriters: Long-standing Guam-based insurance carrier offering P&C and life/health products to individuals and businesses on Guam and CNMI. Comparable as another multi-line regional incumbent competing for the same customers.
• Moylan's Insurance Underwriters: Guam-headquartered insurance agency/carrier providing P&C and related coverage to individuals and commercial clients in the Western Pacific. Comparable as another legacy regional insurance provider operating in the same geography.

Regional players

• Triple-S Management Corporation: Puerto Rico-based managed care company serving a US territory population with health insurance and related products. Comparable as a regional health insurer that dominates a small island/territory market — the closest analog outside the Pacific.

Broad incumbents

• UnitedHealth Group: Largest US health insurer with national scale, vertically integrated PBM (Optum Rx) and provider-services capabilities. Comparable as a multi-line health/P&C-adjacent insurance incumbent whose portfolio sets the ceiling on regional carrier capabilities.
• The Cigna Group: National health and supplemental benefits carrier serving employer groups and individuals across the US. Comparable as a broad incumbent offering health and supplemental coverage with pharmacy benefits management.
• CVS Health (Aetna): Vertically integrated health insurer (Aetna) plus pharmacy/retail (CVS). Comparable as a broad incumbent offering health insurance, PBM, and integrated retail/wellness touchpoints similar in spirit to StayWell's EnjoyLife! program.
• Humana Inc. Major US health insurer focused on Medicare Advantage and employer/individual plans, with expanding PBM and clinical capabilities. Comparable as a broad health-insurance incumbent that competes for the employer-sponsored and individual segments StayWell serves.
• Blue Cross Blue Shield Association: Federation of independent Blue plans offering health insurance across the US, with established presence in several US territories. Comparable as the broad national brand whose regional licensees sometimes compete with carriers like StayWell in insular markets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/staywellguamcnmi
• LinkedInlinkedin.com/company/staywell-guam-insurance

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 StayWell Insurance