Partnerships want transparency and a defined downside, not another opaque renewal email. This is the playbook we run on firms your size: we replace the carrier’s black box with three transparent buckets you can audit, model the savings on your own claims data, and put the worst case on paper before you sign anything.
No partnership would sign terms it couldn’t see. When we read your plan, that’s usually exactly what’s happened.
The renewal is a number with no claims data behind it. In any other contract your partners would demand the supporting detail before signing. The health plan is the one place the firm accepts terms it can’t see.
On a fully insured plan, the surplus from a good claims year stays with the carrier, never the partners. A healthy firm funds someone else’s bad year and keeps none of its own good one.
Partners want a known worst case. The current structure never states one. Stop-loss puts a ceiling on paper, agreed up front, so the firm knows its maximum exposure before it commits.
One of the firm’s larger expenses gets a single annual look under a renewal deadline. We move it to a quarterly review, so the partners see what’s driving cost before the number is set.
You get a number, not the data behind it. No partnership would accept those terms in any other contract, yet the health plan gets a pass every year.
On a fully insured plan, the surplus from a good claims year stays with the carrier. The partners fund the downside and keep none of the upside.
Stop-loss caps your risk. Your worst case is a known number, on paper, before you ever commit, so the partnership signs terms it can actually see.
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 keys to your data. A Broker of Record letter is simply how you take them back. It names us as your benefits broker so we can pull your actual claims and shop your plan across carriers. 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 meet for thirty minutes.
Start my free analysisMost firms do. The question worth asking: at your last renewal, did they model a funding alternative and show you the claims data, or just pass along a number? A second set of eyes on your own data costs you nothing.
Same network, same cards. Only the funding structure changes behind the scenes. Your partners and associates keep the plan they know.
Stop-loss caps it. Your worst-case number is defined before you sign, so a bad claims year can’t exceed a ceiling you agreed to up front. The partnership commits to a known maximum, not an open one.
It’s three documents you already have. We do the analysis. You only meet us if the numbers are worth your time, and the first call is short.
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.