Phillip J. Holowka is the Founder of medTRANS Insurance Ltd. and Chief Executive Officer of Complete Captive, where he leads the development and execution of innovative risk financing strategies for employers nationwide. He specializes in employee benefits captives and medical stop-loss programs, helping organizations take control of healthcare costs through alternative risk structures.
As an independent captive manager, Phillip is not tied to any single captive structure or model. This independence allows him to objectively design and recommend solutions aligned solely with his clients' needs and long-term interests, rather than a predetermined program or platform.

Phillip founded medTRANS Insurance Ltd., a member-owned group captive built on transparency, alignment, and shared performance. Importantly, medTRANS is 100% mutually owned by its insured members, and Phillip does not hold any ownership stake—reinforcing his commitment to client-first advisory and governance integrity.

As CEO of Complete Captive, he drives a vision centered on data-driven decision-making, accountability, and sustainable cost management. He works closely with employers, advisors, and brokers to expand access to captive strategies and to simplify complex insurance structures into actionable, results-oriented solutions.

Phillip is a frequent speaker and educator in the captive and employee benefits space, known for his straightforward approach and his focus on helping organizations rethink traditional healthcare financing.