No matter where you are in California, TSM Insurance is here to serve you.
TSM Insurance proudly serves businesses across California with a strong local presence in the Central Valley, including Modesto, Turlock, Manteca, Stockton, Merced, Fresno, Elk Grove, and Lodi. Whether you're navigating complex benefits, exploring self-funded health plans, or considering a captive insurance solution through ParetoHealth, our expert team is ready to guide you every step of the way. No matter where you’re located in California, TSM delivers hands-on support, cost-saving strategies, and personalized service to help your business take control of healthcare spending. If you're looking for a California-based benefits partner who understands your needs and your market, TSM Insurance is here for you.
Is the ParetoHealth Captive For You?
If your business meets the criteria below, we should get together and discuss solutions.
50 Employees or More
If your business has 50 or more employees, you're likely feeling the pressure of rising healthcare costs. ParetoHealth's captive model offers long-term savings and control that traditional insurance simply can't match.
Located in California
California businesses face unique regulatory and cost challenges. ParetoHealth’s captive solution, guided by TSM Insurance, helps you navigate these with smart strategies tailored to your market in California.
Need Benefits Assistance
Whether you're new to self-funding or struggling with your current plan, we’ll help you take back control of your benefits. Our team handles the hard parts, so you can focus on your business. TSM Insurance is your partner.
Want a Rockstar Broker
You deserve more than a passive broker. TSM Insurance is hands-on, strategic, and relentless when it comes to protecting your team and delivering real healthcare value. Call us or stop by anytime, we're here for you.
How We Support You
Transitioning into ParetoHealth’s captive model takes time, focus, and coordination, but the long-term benefits make it entirely worth it. TSM Insurance handles nearly all of the heavy lifting, guiding our clients every step of the way to ensure a smooth and successful transition.
Seamless Coordination
We manage every agreement across stop-loss, captives, reinsurance, and TPAs so you don't have to navigate the complexity.
One Point of Contact
You work with us, and we handle the rest. TSM connects all the moving parts to keep things running smoothly.
Expert Transition Support
Captive entry can be complex. We guide you step-by-step and take care of the heavy lifting on your behalf.
Ongoing Strategic Guidance
We don’t just set things up, we stay involved to help manage renewals, control costs, and optimize results.
Built-In Advocacy
We act in your best interest at every turn, ensuring you get the most value and long-term protection from your plan.
TSM Insurance X ParetoHealth
TSM Insurance believes that ParetoHealth has a clear understanding of where healthcare is heading and what employers truly need. We are proud to partner with them to offer a solution that protects our clients' costs, finances, and future.
Proof of the Future.
By bringing employers together through a proven captive model, ParetoHealth is redefining how companies manage healthcare. The result is greater stability, clearer transparency, and long-term savings in an unpredictable market.
3500
Employer Members Nationwide
1.2M
Covered Lives Nationwide
$8.2B