Self-funded health plans, built around your people — not around a carrier.
CGS Health designs, administers, and manages custom health plans that save employers real dollars while giving members coverage and support they can actually count on.
Choose your path
Outcomes our employers actually see.
We don't compete on glossy brochures. We compete on what shows up in your renewal — and in how your members are treated.
Three things we refuse to compromise on.
Real, measurable cost reduction.
Purpose-built self-funded plans that strip out carrier overhead and deliver savings from day one — not promised, demonstrated.
A plan shaped to your workforce.
You choose the coverage, network, pharmacy, and stop-loss configuration. We build the structure around it. No off-the-shelf templates.
People answering the phone.
Members reach a real person who resolves the issue. No call-center mazes, no claim denials without explanation, no runaround.
A plan structure for every workforce.
From fully custom self-funded plans to predictable level-funded options, every CGS solution is built and administered in-house.
Maximum flexibility. Maximum savings.
For employers ready to take control. You fund claims directly, keep what you don't spend, and get full transparency into where every dollar goes. We handle the administration, networks, pharmacy, and stop-loss.
Explore self-funded plans
Predictable monthly costs. Real upside.
Fixed payments cover claims, admin, and stop-loss. If claims come in under budget, you get money back. The protection of fully-insured with the economics of self-funding.
Explore level-funded plans
One platform. One point of accountability.
Medical, pharmacy through CAPSL Rx, stop-loss through Litchfield Underwriters, and TPA administration — all under one roof. Fewer vendors, fewer gaps, one team accountable for the whole plan.
See the integrated platform
We came over from a national carrier expecting it to be a hassle. It wasn't. CGS rebuilt the plan around our team, our renewal landed below what we paid the year before, and our employees stopped dreading open enrollment.
CGS Health is part of a connected platform.
Plan administration, pharmacy benefits, underwriting, and stop-loss — built to work together, or standalone.
About the platform
See what your renewal could look like next year.
Request a no-obligation plan analysis. We'll show you exactly where the savings are — with the methodology, not just the number.