Customized Employee Health Benefits, For Your Business
We believe in a complete solution that helps employers show their employees they value them while saving the company money. Our team collaborates with major carriers to tailor plans that optimize premium structures and provide significant financial value for your workforce.
By aligning health benefits with your business goals, we ensure your employees feel truly valued. Our approach focuses on retention and cost-efficiency, providing the tools your business needs to thrive.
Traditional Health Plan Designs
We help you choose the right funding model for your group based on size, health history, and risk tolerance.
ACA Plans
Community‑rated plans that provide a strong safety net for groups with significant pre‑existing conditions or a history of high claims. These plans are often the best fit when stability and predictability are the top priorities.
Level‑Funded Plans
Designed for below‑average claims groups, typically with 5 or more employees. With the right structure, level‑funded plans can often deliver 20%–35% premium savings compared to ACA rates, while still maintaining robust coverage.
Self‑Funded Plans
Best suited for larger organizations. Self‑funding allows you to retain control over plan reserves and cash flow, pay claims as they occur instead of a fixed premium, and gain greater transparency into how your benefits dollars are being used.
Layered Health Plan Design
For employers who want to maximize benefits while controlling both premiums and out‑of‑pocket costs, we often recommend a layered approach.
How it works
Key benefits
- We blend a primary health plan with a secondary, reinsurance carrier.
- Risk is divided between the plans to create a more efficient structure.
- Reduces employees’ out‑of‑pocket maximum exposure.
- Helps maintain access to strong provider networks and richer benefits.
- Creates a more sustainable long‑term benefits strategy.
Buying Group Design
For small-to-medium sized businesses, accessing competitive benefits can be challenging. Our Buying Group strategy allows you to participate in a larger pool.
Strategy details
- Meet minimum participation requirements.
- Access benefits that might otherwise be out of reach.
- Simplify administration by leveraging our group infrastructure.