You run a CPA, wealth, or advisory firm: a healthy, desk-based team and an owner who reads a P&L for a living. So you already know a fully insured renewal with no data behind it isn’t a strategy, it’s a number. This is the best, expected, and worst-case model you’d build yourself, run on your own benefits spend, with the downside capped before you sign.
You audit other people’s numbers for a living. When we audit yours, this is the pattern.
Desk-based staff with low claims is the textbook profile for a refundable structure. Fully insured pools it away, so the one place your healthy team should help you is the one place it doesn’t.
You’d never accept a number from a client with no support behind it. Your own renewal arrives exactly that way: a percentage increase with no claims detail, no trend, no math.
When your team stays healthy, the favorable experience produces a surplus. On your current plan it stays with the carrier. A level-funded structure refunds it to the firm when claims run low.
You serve your own clients with regular reviews. Your benefits spend, one of your largest line items, gets looked at once a year, under deadline pressure, with no alternative on the table.
You’d send a client’s number back if it showed up with no support. Yet your own renewal lands as a percentage with no working papers, no trend, no claims detail, and you approve it anyway, because chasing the math behind it is one more thing on a list that never ends.
We do the chasing. You get the support behind the number, a model you can actually audit, and a worst case that’s capped before you sign, the way you’d have built it yourself if you had the time.
Send us three documents you already have: your current plan summary, a census, and your last renewal. We run the analysis at no cost and tell you, honestly, whether there’s an opportunity. If there isn’t, we’ll say so.
For the right groups, a level-funded plan replaces the carrier’s black box with three transparent buckets: a claims fund, administration, and stop-loss insurance that caps your risk. You pay a fixed monthly amount, just like today.
When your group stays healthy, surplus comes back to you instead of the carrier. And you finally see exactly what’s driving your cost, every quarter, not once a year.
Your current broker holds the carrier relationship. A Broker of Record letter is simply how you put ClearPlan in that seat. It names us as your benefits broker so we can shop your plan across carriers and work on your behalf. One page, on your letterhead, reversible anytime.
How we’re paid: through the carrier, the same way your current broker is, built into a plan you’d pay for either way. No invoice from us. We only win when you do.
Send three documents you already have: your plan summary, a census, and your last renewal. We’ll run a full analysis at no cost and model whether a funding change would actually save you money. If the numbers aren’t worth your time, we’ll say so. If they are, we’ll set up a short call and move fast.
Start my free analysisDid they show you the claims data and model an alternative, or hand you a number? A second set of eyes on your own data is free, and you’re the kind of buyer who’ll know whether the model holds up.
We show you best, expected, and worst, with the worst case capped before you sign. You can check the math yourself. Surplus comes back when claims are favorable, not as a guarantee but as a defined feature of the structure.
Same network, same cards. Only the funding mechanism changes behind the scenes. Your team keeps the plan they know.
Send three documents you already have. We do the work and only meet if the numbers justify it. No homework on your end, and nothing that lands on your desk during crunch.
One analysis. Your own data. No obligation. Find out what your health plan is really costing you, and what it doesn’t have to.
Get my free cost analysisTakes 5 minutes to send the documents. We do the rest.