FairShare Insurance is redefining the economics of supplemental insurance programs.

Founded by senior leaders from the insurance industry, we design and manage fully participant-paid supplemental insurance and benefit programs for associations, tenants, university alumni, students, customers, union members, independent contractors, employees, and other defined communities. These are not core medical plans — they're structured to strengthen financial protection for participants while creating aligned economic outcomes for the sponsoring organization.

Our proprietary underwriting participation model lets sponsoring organizations retain 100% of net reinsurance surplus — without forming or managing a captive. FairShare is compensated through a standard program management fee, so the organization keeps the full underwriting result. The result: a transparent, capital-free structure with projected long-term returns in the 15–25% range.

For employers, our program architecture is intentionally designed to reduce fiduciary exposure. Clear separation of responsibilities and disciplined regulatory alignment help minimize ERISA-related risk, while still allowing full participation in underwriting performance.

FairShare manages the platform end-to-end — program design, underwriting, actuarial modeling, regulatory alignment, compliance oversight, claims administration, customer service, and marketing execution — in partnership with leading carriers, brokers, consultants, and reinsurers.

By aligning incentives and reducing fiduciary complexity, FairShare delivers a true win-win: meaningful supplemental protection for participants, and 100% of the underwriting upside for the organizations that make it possible.

You deserve Your FairShare.

FairShare Insurance

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FairShare Insurance

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