Captive Success Story: Horst Engineering's Path to Cost Control & Employee Wellbeing with Anthony Luis, Director of HR & Administration

Tired of watching your employee benefits costs climb year after year?

In this episode of Friends with Employee Benefits, we explore how one company broke free from the costly, fully insured model and took control with a self-funded approach using a group healthcare captive. Our guest, Anthony Luis, Director of Human Resources and Administration at Horst Engineering, shares their phased journey to combat premium volatility — a strategy that delivered zero employee premium increases for two consecutive years.

Host Jeff Cross and Anthony get into the broker collaboration required to manage an unbundled plan, what all employers need to know about making the move to self-funding, and how Horst's leadership team embraced the flexibility and transparency that came with the transition. Whether you’re a small business or a large employer, this episode is essential listening for anyone looking to optimize employee benefits, control costs, and invest in a healthier, happier workforce. Tune in now and learn how to turn benefits from a budget burden into a strategic advantage.

Want to learn more about captives? Check out our blog: How to Contain Health Plan Costs with Group Captives

About Friends with Employee Benefits Podcast Episode

In this season of Friends with Employee Benefits, we're focused on one underlying theme: help employers contain their healthcare cost by, among other things, helping their employees live healthier lifestyles. This season, we’re tackling the biggest challenges in healthcare today: the obesity crisis, the rise of GLP-1s medications and skyrocketing pharmacy costs. But we’re not stopping there.

We’re diving into financial, mental and physical health – the mind-body connection, the financial stress-health link, and why America’s healthcare system focuses on sick care instead of prevention – and how that needs to change. We’re going to be sitting down with doctors, CEOs and HR professionals, pharmacy consultants, forward-thinking tech businesses, legislators and more – all with one goal – to answer the question: how are we impacting the health of our employees, and in turn, the health of the business.

If you’re ready for real talk, great insights, and practical solutions as it relates to all things healthcare, this season is for you. Subscribe to our Friends with Employee Benefits podcast and let’s rethink healthcare – together!

Interested in proven strategies to mitigate rising healthcare costs and protect your bottom line? Explore more insights, tools, and real-world solutions and visit OneDigital's Cost Containment Hub.