A fully-insured group health plan built on the Enough! Health Insurance Member Premium Reserve architecture. Your company sponsors the plan. A defined share of premium goes to individual employee Reserve accounts, held in each employee's name. Balances stay in their name and keep paying for their care.
You choose the premium contribution level and plan design (HDCP or HDHP). Enough! Health handles all administration, compliance, and claims processing.
A defined share of premium goes to each employee's Reserve — a custodial account in their name at a qualified custodian. The rest covers plan administration.
Healthcare is accessed at self-pay rates through the Care Approved Card. Lower costs mean more stays in each employee's Reserve.
Unused balances carry forward and stay in the employee's name. Employees can see their balance and what they've kept over time. Reserve balances are portable based on tenure tier.
| Feature | Traditional Group | Captive Group (Enough! Health) |
|---|---|---|
| Monthly employer cost/employee | ~$650 | $400–550 |
| Employee premium allocation | $0 (premiums are gone) | Most goes to the employee's Reserve |
| Annual cost trend | 8–12% annual increase | Flat or negotiated |
| Plan flexibility | One-size-fits-all | HDCP or HDHP |
| Admin burden | High | Minimal (Enough! Health manages) |
| Employee financial benefit | None | Balance carries forward in their name |
ICHRA gives employees choice — each picks their own individual plan. Captive Group gives employees the Member Premium Reserve benefit directly through the employer-sponsored plan. Choose ICHRA if your employees want maximum flexibility. Choose Captive Group if you want to ensure every employee gets the Reserve architecture.
Compare all three solutions →After the deductible, the employee's Reserve pays claims. Most employees pay claims from their named balance.
The plan's pooled coverage steps in when an employee's Reserve balance is insufficient. Self-funded by the plan structure.
Catastrophic reinsurance covers claims above the attachment point (~$40,000). Major events are fully protected.
Patient: Male, age 37, Idaho, HDCP plan
Healthy Year
No claims that year. The full premium allocation stays in the Reserve and carries forward.
Moderate Year
Some medical claims during the year. Claims are paid from the Reserve after the deductible, and the remaining balance carries forward.
Major Event
A major medical event. The employee pays the deductible from the Reserve, Plan Coverage absorbs the bulk of the cost, and reinsurance covers the catastrophic remainder. The employee's out-of-pocket is limited to the deductible.
The Provider's Perspective: Dr. Sarah Chen, Solo Family Practice, Rural Idaho
1,400 patients
Panel size before Enough! Health Insurance
40%
Providers who participate see simplified billing and faster payment
2.1 hrs/day
Admin time saved (525 hrs/year — 13 work weeks)
Dr. Chen's practice accepted commercial insurance and spent 2+ hours per day on prior authorizations, claim submissions, and denial appeals. When a portion of her panel became Enough! Health Insurance members, those patients moved to self-pay pricing through the Care Approved Card. Instant payment. No credentialing paperwork. No prior auth. No denials. Higher net margin per encounter despite a lower gross rate — because the administrative cost disappeared.
"I get paid within 48 hours of seeing a patient. I haven't had a claim denied in 14 months. I set my own rates. This is what medicine was supposed to feel like."
Traditional group plans route premiums to the insurer, who keeps what isn't paid in claims. In a Captive Group plan, a defined share of premium goes directly to Member Premium Reserve accounts held in each employee's name. Employers retain talent better.
Reserve accounts are held in the employee's name at a qualified custodian — not Enough! Health and not the employer. The balance stays in the employee's name regardless of employment status (after vesting) and remains spendable on qualified care.
Reserve balances vest based on a tenure tier schedule (details provided at enrollment). Fully-vested employees take their Reserve balance with them. Non-vested balances return to Plan Coverage.
HDCP (High Deductible Care Plan) starts at $400–450/month employer contribution. HDHP (High Deductible Health Plan) is HSA-compatible and starts at $425–475/month. Both include reinsurance and all ACA essential health benefits.
Yes. Enough! Health Captive Group plans are ACA-compliant and include all 10 essential health benefits. We are pursuing state insurance licenses in our launch states.
A new kind of group health plan — premiums stay in your employees' names instead of disappearing to the carrier.
With most group plans, the premiums your employees pay disappear to the insurer at year-end. Here, a defined share of premium stays in an account in the employee's name, and unused balances carry forward instead of being lost. Your employees stop losing their benefits and start owning them — and you retain talent better.
Enough! Health is not a retirement account, investment vehicle, or brokerage product. The Reserve is a health plan feature, not a securities product.
Schedule a consultation and get a custom employer cost analysis.