Steward Healthcare.
Strengthen Mission.

Through employer ownership, transparency and shared purpose, Oikora helps organizations steward healthcare resources for their people, mission and future.

The Oikora Opportunity

A Better Way to Steward Healthcare

Oikora Health Collective is a healthcare financing and stewardship platform for faith-based and mission-driven employers seeking greater control, transparency and long-term sustainability.

Powered by medTRANS Insurance Ltd., Oikora pairs employer-owned risk financing with clinical strategy and disciplined governance, helping organizations steward healthcare dollars more intentionally while protecting against catastrophic claims.

“Now it is required that those who have been given a trust must prove faithful.”

1 Corinthians 4:2

The Oikora Model

An integrated captive and clinical strategy designed to align better care, better outcomes and better economics.

Financial Foundation

Employee-Owned Captive

  • Employer ownership
  • Risk retention
  • Stop-loss protection

  • Potential retained value

Platform Management

Complete Captive Management Services (CCMS)

  • Captive management

  • Compliance and reporting

  • Financial administration

  • Governance support 

Clinical Excellence

medTRANS

  • Care navigation
  • High-cost claims
  • Provider strategies

  • Data and analytics

Better Outcomes  ·  Lower Total Cost  ·  Greater Employer Control

The Oikora DIFFERENCE

Why Choose Oikora?

Faithful Stewardship

Healthcare resources managed with integrity, accountability and purpose.

Employer Ownership

Each employer owns its captive and participates directly in favorable performance.

Transparency & Control

Greater visibility into claims, costs and the strategies driving results.

Better Alignment

Better clinical performance can translate more directly into employer value.

What We Steward Today Shapes What We Can Serve Tomorrow

What We Steward Today Shapes What We Can Serve Tomorrow

Why the Economics Matter

The medTRANS Insurance, Ltd. model is designed around an expense load of approximately 10%, allowing more premium to remain available for claims and potential employer value. When claims perform favorably, the employer’s captive is positioned to retain more of the economic benefit.

Historically, strong-performing groups have experienced meaningful distributions, with average returns reported around 30% of premium and certain high-performing groups approaching 60%. Actual results vary; distributions are not guaranteed.

Responsible Risk Protection Through Layered Coverage

LAYER 1

Employer Captive
Funds claims to the selected specific deductible/captive premium layer.

LAYER 2

medTRANS
Takes the next $1.25M through reinsurance from the employer captive.

LAYER 3

Synergix Re
Member-owned reinsurer retains the next $2M layer before excess coverage.

LAYER 4

Admitted A+ Rated
Excess Carrier
Protects risk above the Synergix Re layer.

Layered protection combines employer ownership with protection from high-cost and catastrophic claims.

Built for Mission-Driven Employers

Key Benefits

  1. Greater Cost Control
    More healthcare dollars aligned with claims and employer performance.
  2. Long-Term Stability
    Captive ownership can reduce volatility and build value over time.
  3. Clinical + Financial Alignment
    Care navigation, pharmacy and utilization strategies can affect employer economics.
  4. Broker-Friendly
    Complements the employer’s trusted broker or consultant.
  5. Disciplined Underwriting
    CCMS historically writes approximately 10-12% of groups evaluated.

The Ideal Oikora Partner

Faith-based or mission-driven leadership

Commitment to employee well-being

Desire for transparency and control

Long-term healthcare perspective

Interest in non-traditional insurance

A Stewardship Community

Oikora can grow beyond captive placement into a community connecting employers, advisors and clinical partners around better healthcare purchasing, stronger outcomes and responsible stewardship.

We are not just financing risk. We are stewarding healthcare differently.

Faithful stewardship. Employer ownership. Better healthcare.

Ready to explore whether Oikora is right for your organization?

Contact Us to Learn More

Ericka McPherson, Esq., Vice President – Captive Strategies
Complete Captive Management Services, 706 Rochester Rd, Pittsburgh, PA 15237

Request for Proposal

Begin a conversation about your organzation and whether the Oikora model is a good fit.