Roundstone Insurance Announces Millions Back to Captive Participants

ROCKY RIVER, Ohio, Oct. 23, 2026 /PRNewswire/ -- As healthcare costs continue to rise nationwide, Roundstone Insurance has announced more than $2 million in distributions back to its July 2025 captive participants. The distribution reflects the strength of Roundstone's group captive model and reinforces the company's commitment to helping employers reduce healthcare costs while maintaining comprehensive employee benefits.

"Roundstone is focused on providing affordable, high-quality healthcare for all and we are proud to announce a distribution to our captive participants," said Founder and President, Michael Schroeder. "We are dedicated to keeping the best interests of both the employers and their employees at the center of what we do, and returning savings where they belong is a key part of that effort."

According to a recent Mercer study, the industry average for per-employee–per-year (PEPY) healthcare costs is $17,369. Roundstone's average PEPY sits at $12,553, a savings of nearly $5,000 per employee, driven by strong partners and early adoption of cost containment practices. In addition, Roundstone's captive participants experienced an average renewal increase of 7%, helping employers navigate healthcare inflation with greater predictability and financial stability. These results are driven by Roundstone's approach to self-funded healthcare, which combines data transparency, proactive cost containment strategies, and customized plan design. By giving employers greater visibility into the drivers of healthcare spending, Roundstone's model helps organizations make informed decisions that improve outcomes for both businesses and their employees.

About Roundstone Insurance

Roundstone Insurance was founded in 2005 to create an innovative way for small and mid-sized businesses to fund quality healthcare benefits for their employees. Since founded, Roundstone annually covers more than $1.5 billion in health insurance claims for the 1,000+ employers that work with them by self-funding their health insurance through its group medical captive.

Media Contact:
Adrienne Dodovich
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[email protected]

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SOURCE Roundstone Insurance