Memphis Employers Health Plan

Healthier Workforce. Greater Savings.

Healthcare costs continue to dramatically increase – far outpacing inflation, wages, and business growth. Despite spending more each year, most employers lack visibility into healthcare costs, control over vendor decisions, and access to the data needed to manage healthcare as a business expense. Employees are paying more than ever through payroll contributions, deductibles, and out-of-pocket costs, creating financial stress that impacts productivity, retention, and overall workforce health.

The Greater Memphis Chamber created a stop-loss captive health plan with Berkley Accident and Health for groups 50-500 to help its members take control of healthcare costs, improve employee health, and strengthen the long-term competitiveness of chamber businesses. Every dollar saved on healthcare can be reinvested into wages, hiring, workforce development, and economic growth.

The Greater Memphis Chamber has selected Berkley Accident and Health to offer this Group Captive program exclusively to its members.

Want to learn whether the Memphis Chamber Health Plan launching on 10/1/26 is right for you?

Contact Robert “Rob” Hoyt Jr.
Regional Sales Manager | EB Captive Division – TN, KY, MS, AR
Berkley Accident and Health | a Berkley Company
rhoyt@BerkleyAH.com | 901-786-3613

You can also contact your existing broker for assistance.
Don’t have a broker? Our member brokers will be happy to assist you.

Through the Memphis Employers Health Plan, employers gain access to a community-owned healthcare model designed to improve affordability, workforce health, and long-term sustainability.

Employer Control
Greater transparency, independent partners, and data-driven decision-making put employers back in control of one of their largest business expenses.

Shared Strength
Berkley-backed stop-loss protection with an industry leading captive program combined with a vetted ecosystem of health plan vendors helps employers stabilize costs while improving plan performance.

Community Impact
By reducing healthcare waste, participating employers strengthen their businesses while contributing to a healthier workforce and a stronger economy for the community of Memphis Chamber members.

Through our partnership with Cigna Healthcare, you will enjoy benefits like:

Explore Plan Benefits

A Business Community-Owned and Governed Approach to Healthcare

This program makes self-funding possible for many smaller companies by pooling them together in a Group Captive program. When firms join together to share their health claims, they can achieve the size and scale – and stability – of a much larger organization. The Memphis Employers Health Plan is a great choice for businesses that want to actively manage their healthcare spend to reduce overall costs and improve employee health outcomes.

By joining the Memphis Employers Health Plan, you can enjoy:

Flexibility & Transparency

Employers gain greater control over their health plan through transparent pricing, aligned vendor partners, and access to meaningful claims and pharmacy data. This enables better decision-making and helps eliminate unnecessary healthcare spending.

Stability

The captive provides greater long-term stability by allowing employers to collectively manage large claims risk while reducing volatility in insurance renewals. This creates a more predictable and sustainable healthcare strategy year after year.

Reimbursed Funds

When the captive performs well, participating employers may receive a share of underwriting profits and unused premium. Instead of those dollars leaving the community, they can be reinvested into your business and workforce.

Capped Costs

Employers maintain the financial protection of stop-loss insurance while benefiting from the purchasing power and shared risk of the captive. This limits exposure to unexpected high-cost claims and provides greater budget certainty.

ChamberCare Health Center Savings

Employers can reduce their company’s overall health spend by 20% and urgent care visits by 50% through the ChamberCare Health Center network.

Affordable & High-Quality

A high-performing health plan combines cost containment with improved access to quality care, helping employers attract and retain talent while supporting a healthier, more productive workforce.

MEMBER

Q&A

Consilience Group, LLC

Meredith Hennessy, Principal & Practice Leader

Memphis small businesses don’t have to choose between quality and affordability. With UnitedHealthcare plans, we can have both. It’s a tremendous relief to know you’re taking care of your employees as well as your bottom line.

Want to learn whether the Memphis Employers Health Plan launching on 10/1/26 is right for you?

Contact Robert “Rob” Hoyt Jr.
Regional Sales Manager | EB Captive Division – TN, KY, MS, AR
Berkley Accident and Health | a Berkley Company
rhoyt@BerkleyAH.com | 901-786-3613

Or contact one of our member brokers below.

Memphis Chamber Member Brokers

Interested in partnering or would like to learn more?

Contact Rob Recker, President, Chamber Benefits, Inc. at rrecker@memphischamber.com or call 901-543-3537.