A low-risk, self-insured medical captive program where ‘Like-Minded’ groups of employers pool their resources and share risk. This allows small and mid-sized employers to gain the benefits of self-funding, which gives greater financial control of their healthcare costs and plan design while actually lowering risk. With traditional medical insurance, the carrier controls the employer. With Apex, the EMPLOYER controls their money with better cash flow, not ‘owned’ by an insurance company.