CGS Health — Self-funded health plans built around your people

The numbers

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.

15–25%

Average annual savings vs. fully-insured plans

20,000+

Members served across the country

97%

Member satisfaction across our service team

Hundreds

Of employer clients trust CGS with their health plan

Why CGS Health

Three things we refuse to compromise on.

01 / Savings

Real, measurable cost reduction.

Purpose-built self-funded plans that strip out carrier overhead and deliver savings from day one — not promised, demonstrated.

02 / Design

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.

03 / Service

People answering the phone.

Members reach a real person who resolves the issue. No call-center mazes, no claim denials without explanation, no runaround.

Solutions

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.

Self-funded

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 →

A diverse team of professionals reviewing benefits together in a meeting

Level-funded

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 →

A pharmacist helping a customer pick up their prescription

Integrated benefits

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 →

A couple leaving a pharmacy with their prescription, pharmacist smiling behind the counter

In their words

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.

HR Manager Nine-year tenured CGS client

The platform