He Built an Insurance Company to Beat the System – And It’s Saving Employers Millions | Broken Healthcare Podcast #66

Is your company overpaying for healthcare? Discover how captive insurance is changing the game for employers in this episode of Broken Healthcare.

Host Ray Kober sits down with Phil Holowka, founder of Complete Captive and MedTrans Ltd., and Rob Zwirn, CFO of Action Ambulance, to unpack the truth about employer healthcare spend—and how to take back control.

💥 Key Takeaways:

• What exactly is a captive insurance model—and how it works
• How employers can turn a healthcare expense into a strategic asset
• Why captive insurance isn’t for everyone (and who it is for)
• Real-world savings: How Rob’s company cut costs by nearly 50%
• Why having access to claims data is a total game-changer
• How employers can maintain national carrier networks (like Cigna) without being stuck in the BUCA system
• The compliance wake-up call: CAA & fiduciary duty in healthcare
• Common misconceptions about self-funding and PHI access
• And how employers can start evaluating whether captive is right for them

💼 Whether you're a CFO, HR leader, benefits consultant, or just fed up with the status quo in employer healthcare—this episode is a must-watch.

📩 Want to connect with Phil or Rob?

Visit:

🔗 https://completecaptive.com

🔗 https://medtransltd.com

🔗 https://actionems.com

👍 Like, comment, and subscribe to join the conversation and help fix our broken healthcare system.

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#CaptiveInsurance #HealthcareSavings #EmployerBenefits #BrokenHealthcare #StopLoss #SelfFunding #InsuranceInnovation #RayKober #PhilHolowka #RobZwirn #CompleteCaptive #MedTrans #HealthcareReform

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