CGS Health is an independent third-party administrator headquartered in Norwalk, Connecticut, with offices across the country. We design and run self-funded health plans that put control back in the hands of employers — and treat members like people, not policy numbers.
CGS Health was founded on a simple frustration: employers were paying more every year for health coverage they couldn't see into and couldn't control. Renewals arrived with double-digit increases and no explanation. Claims data stayed locked inside the carrier. And when a plan didn't fit, the answer was always the same — take it or leave it.
We built CGS to give that control back. By bringing plan administration, underwriting, pharmacy, and captive strategy under one roof, we help self-funded employers see exactly where their dollars go and design coverage around their people — not around a carrier's spreadsheet. It's an approach built for the employers and advisors who want a real partner, not a pass-through.
Most TPAs operate as middlemen — passing through carrier decisions and disappearing when something goes wrong. We started CGS to do it differently. To own the plan end-to-end. To answer the phone. To stand behind the numbers we put on a proposal. That hasn't changed.
No vendor finger-pointing. The plan is ours. The service is ours. The outcome is ours.
Every savings claim comes with the math. Every renewal comes with the data. No black boxes.
Members reach a real person. Producers reach a dedicated team. Employers reach someone who knows their plan.
Our leadership team has over two decades of average experience in healthcare, insurance, and technology.
Company announcements, market commentary, and perspective from the CGS Health team.
CGS Health is one piece of a connected platform that delivers integrated health benefits.
Plan design, TPA administration, and member services.
Integrated pharmacy benefit management with transparent pricing.
Stop-loss underwriting and risk management, A-rated carrier partnerships.
Group captive solutions that let employers share risk and capture underwriting surplus.
