What Trinity Captive Group does

Trinity Captive Group operates as a managed-services platform for self-funded captive insurance programs, targeting mid-size U.S. employer groups seeking to retain underwriting surplus and gain control over healthcare cost trends. Founded in 1999 and headquartered in Prosper, Texas, the company assembles nine integrated practice modules — captive insurance placement, stop loss coverage, transparent pharmacy benefit management (PBM) contracts, specialty drug management, third-party administration (TPA), medical network access, employee behavior modification, innovation services (including the FREE Program), and the TC Navigator technology layer — into a single offering for employer clients.

The technology layer centers on the TC Navigator mobile application, which provides employees with digital ID cards, a provider and facility locator, appointment scheduling, and zero-out-of-pocket telemedicine, backed by a claims integration engine that joins medical and pharmacy data and applies AI to flag suboptimal utilization and fraudulent activity. Distribution combines direct enterprise outreach to employers with a parallel broker/consultant channel, supported by a Healthcare Resources content hub aggregating third-party editorial from Forbes, Cigna, and Deloitte.

Trinity earns revenue through quote-based management fees on multi-year captive administration contracts; pricing is customized to employer size, employee count, risk profile, and selected service modules. Primary customers are self-funded mid-size employers, with insurance brokers and benefits consultants serving as channel partners. The company claims more than 5,689 covered clients/members on its homepage (likely a mix of employer accounts and covered lives) and references 25+ years of industry experience, though it discloses no revenue, no external funding history, and no executive roster in the source data.

Name

Trinity Captive Group

Legal name

Trinity Captive Group

Website

https://trinitycaptivegroup.com

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

11–50 employees

Short description

Trinity Captive Group manages self-funded captive insurance programs, stop loss coverage, and transparent PBM contracts for mid-size U.S. employers, combining nine service modules with the TC Navigator mobile app and AI-driven medical and pharmacy claims analytics.

Ownership category

akta.pro rank

Product category

Self-Funded Captive Insurance Program Management

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292), Insurance and Employee Benefit Funds (5251), Other Insurance Funds (52519)

SIC

Hospital & Medical Service Plans (6324), Accident & Health Insurance (6321)

akta.pro primary industry

Stop-Loss & Reinsurance Administration (Captive/Level-Funded Support) (HLAEALAB)

akta.pro secondary industries

Captive Insurance Advisory & Management (FSAEADAF), Self-Funded (ASO) Group Health Plans & Stop-Loss (FSAIAFAB), Stop-Loss & Excess Loss Coverage (Employer Sponsored) (HLAEAAAF), Group Benefits Reinsurance (Life, Health & Disability) (FSAIANAH)

Keywords

• Captive insurance solutions
• Medical stop loss
• Pharmacy benefit management
• Self-funded health plans
• Healthcare cost containment

Headquarters

HQ city

Chicago

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 Program Management: Management fees for administering self-funded captive insurance programs for employer groups, including plan design, administration, cost containment strategies, and data analytics services.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels2 records

Core offering

Trinity Captive Group structures and manages self-funded medical stop loss captive insurance programs for mid-size employer groups. Its offering combines captive formation and program administration with stop loss coverage, pharmacy benefit management contracts, specialty drug management, third-party administration, customizable medical networks, employee behavior modification programs, and AI-driven claims analytics delivered through the TC Navigator mobile app.

Product overview

Trinity Captive Group operates as a self-funded captive insurance program provider offering an integrated platform of 9 core service modules. The ecosystem centers on the TC Navigator App as the primary employee-facing technology interface, complemented by captive insurance solutions, pharmacy benefit management (PBM Contract, Specialty Drug Management), healthcare navigation (Medical Network, Patient Navigator, TPA Solution), cost optimization (Stop Loss Coverage, Employee Behavior Modification), and innovation services (Innovation in Healthcare Benefits with FREE Program). Together, these modules provide end-to-end employer healthcare cost management from financial structure and plan design through cost containment, transparency, and data analytics.

Differentiator

Problem solved

Functional benefit

Brands

• TC Navigator App: Mobile application that simplifies benefits management for employees, providing digital ID cards, provider locators, appointment scheduling, and telemedicine integration.

Products and services

• Captive Insurance Solutions Self-funded captive insurance model for mid-size employers that pairs like-minded groups with similar risk profiles, providing predictable renewals, profit sharing from retained claim dollars, and customized benefit packages.
• Stop Loss Coverage Financial protection against catastrophic healthcare claims for self-funded employer plans, with customizable coverage options, risk protection, and predictable budgeting.
• Competitive and Transparent PBM Contract Pharmacy benefit management contract with pass-through pricing, no hidden fees, specialty drug management, rebate transparency, full audit rights, and annual market checks for self-funded employer groups.
• Specialty Drug Management Program managing specialty drug expenses through direct sourcing, manufacturer rebates, utilization management, prior authorization, and patient assistance programs.
• TPA Solution Third-party administration services providing concierge-level support, seamless plan integration, data-driven cost containment, and flexible scalable administration for self-funded employer health plans.
• TC Navigator App Mobile application enabling employees to access digital ID cards, locate providers and facilities, schedule appointments, and access 24/7 telemedicine consultations at zero out-of-pocket cost.
• Medical Network Customizable provider networks with access to leading healthcare providers, negotiated pricing, cost transparency, and free or low-cost healthcare services through the Patient Navigator Program.
• Employee Behavior Modification Program modifying how employees engage with benefits through education, incentives for choosing cost-effective care, patient advocacy, navigation, and real-time cost transparency.
• Innovation in Healthcare Benefits All-in-one package providing next-generation healthcare solutions including zero-cost services for employees, patient navigation, transparent cost containment strategies, and the FREE (Financially Rewarded Employee Engagement) Program.

Quantifiable outcome

• Reduce overall plan costs while providing better benefits
• +1 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Feature3 records

Partnerships

One partnership is on record.

• Best-in-class Service ProviderscoreStrategic or Co-development PartnerTrinity Captive Group partners with industry-leading service providers to deliver captive insurance solutions, including TPA services, pharmacy benefit management, stop loss coverage, and medical networks to help businesses maximize savings and optimize healthcare efficiency.

Scale indicators2 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• Captive Resources: Specialist in medical stop-loss group captive formation and management for mid-size employers. Closest direct peer to Trinity's stop-loss captive program management offering.
• Pareto Captive Services: Captive management firm focused on group medical stop-loss captives for employers and insurers. Directly comparable to Trinity's captive program management model.

Broad incumbents

• Voya Financial: Large financial services company with a significant stop-loss and group benefits business serving employer health plans. Comparable to Trinity as a stop-loss/reinsurance administrator and benefits provider, but operates at vastly greater scale and breadth.
• Sun Life Financial: Major stop-loss carrier and group benefits provider underwriting medical stop-loss coverage for self-funded employer plans. Comparable to Trinity on the stop-loss and risk protection side of the captive stack, with much greater balance-sheet capacity.
• Mercer (Marsh McLennan): Global benefits consulting and brokerage firm advising employers on self-funded plan design, stop-loss, and captive structures. Comparable to Trinity on the advisory/consultative side for self-funded employer groups.
• HCC Life / Tokio Marine HCC: Specialty insurer with deep stop-loss and medical reinsurance offerings for self-funded groups. Direct overlap with Trinity's stop-loss coverage and captive reinsurance positioning.
• Alliant Insurance Services: Large national insurance brokerage offering employee benefits, stop-loss, and captive solutions to mid-size and large employers. Comparable to Trinity as a broker/consultant channel and benefits risk advisor.
• OptumRx (UnitedHealth Group): Largest PBM in the U.S., providing pharmacy benefit management contracts to employer health plans. Trinity's transparent PBM contract and specialty drug management offerings compete for the same employer budget allocation.

Emerging players

• ScriptSourcing: Specialty drug management and pharmacy cost-containment firm focused on employer plans. Comparable to Trinity's Specialty Drug Management module targeting rising specialty pharmacy spend.
• EmpiRx Health: Transparent, pass-through PBM competing against legacy PBMs with auditable contracts. Directly comparable to Trinity's 'Competitive and Transparent PBM Contract' value proposition.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/trinity-captive-group

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Trinity Captive Group