Let’s Build Something Great Together
A proven platform. The right partner. A shared vision for where benefits are going next.
From The Founder:
A Turning Point, 56 Years In The Making
In 1969, I started in business with a simple goal: to help people solve problems others said were too complicated, too expensive, or too big to fix.
What I didn’t know then — but can see clearly now — is that every year was building toward this one. Not just a career, but a mission. Each year wasn’t a repetition of the last, but a chance to learn more, serve better, and grow wiser. That effort compounded. What we do today isn’t the result of 56 years repeated — it’s the result of 56 years multiplied.
Along the way, I had the profound blessing of watching my son, Hunter, step into this work. He had his own success before joining me 15 years ago, and when we needed him most, he stepped up to lead with clarity and conviction. What we’ve built since isn’t just a company — it’s a platform that reflects values, not just profits.
The ideas now called “disruptive” in group health — transparency, fairness, shared risk, member advocacy — were common sense to us back in the 1980s. We just didn’t have a name for them. But we believed in them. And we kept building.
Now, right on time, we’ve found a partner who sees the same future we do.
Higginbotham has built a remarkable legacy. You understand that real value comes from people, not products. That’s why this moment means so much — not as a finish line, but as a handoff. We have the chance to take what’s been built over the last 56 years and scale it for the next chapter.
Thank you for the time, the interest, and the respect you’ve shown throughout this process. We’re excited to share not just documents and numbers — but a legacy, a vision, and a future worth carrying forward.
Hal
The Program:
A Scalable Platform That’s Ready to Grow
Proven structure and integrated operations. Built for scale, already performing, and ready to expand without the need to rebuild.
A National Program With Local Strength
Designed for national scale with multi-captive support and a strong presence in Alabama, one of your most strategic growth markets.
A Cultural Fit Built For Integration
Long-term mindset, values-driven leadership, and a service model designed to align cleanly with your culture and client philosophy.
May 2025 Data Request
"We’re proud of how far this platform has come and excited about the possibility of what it can become with the right team."
Where This Conversation Began:
What Makes This Platform Work:
Ownership & Regulatory Structure
Clear structure, strong governance, and a model built to scale with confidence.
Financial & Underwriting Risk Exposure
Disciplined underwriting and consistent performance, backed by real financial strength.
Operational & Liability Exposure
Defined processes and aligned partnerships that support seamless integration.
Where the Industry Is Headed — and Why It Matters Now:
Level-Funded Plans
Are the Future
Everyone’s Moving Now
Captive Models
Now Mainstream
With the Right Structure
Bundled Benefits
Sell Better
And Stick Longer
Tech-Enabled
Means Scalable
Without Extra Overhead
Features You’ll Rely on to Create, Collaborate, and Publish:
Imagine hitting all your deadlines and creating more high-quality content in half the time. With OrbitFlow, it’s not just a dream—it’s your new workflow.
Team Collaboration: Stay Connected, Anywhere
Content Pipelines: Keep Projects on Track
Customizable Editorial Calendar: Plan Ahead with Confidence
Content Performance Analytics: Make Data-Backed Decisions
+
Sales Collateral & Plan(s) Overview
Integrated plan options with full support for health, dental, vision and supplemental benefits.
Data Request Submissions
Initial materials, governance, and financials.
Detailed responses and expanded supporting docs.