A fresh approach to health benefits
A fresh approach to health benefits
We are not a traditional broker. We are your health plan architect. We build custom, ACA-compliant health benefit solutions for small and mid-sized employers, unlocking up to 60% savings by unbundling the fully insured model and removing hidden carrier markups.
Trusted benefits for thousands of employees, families, and individuals.
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Fully insured plans bundle costs behind the scenes, limiting your ability to manage spend. And with carriers and broker compensation tied to premiums, the system often rewards higher costs, not lower ones.
By unbundling your plan, we remove carrier profit margins and negotiate direct cash-pay prices.
You regain control of your budget while actually upgrading employee benefits.
We make enterprise-grade healthcare strategies accessible to mid-sized businesses. Each plan is custom-built to match your workforce, goals, and cost structure.
We replace rigid carrier templates with a tailored strategy that aligns with your financial goals and your employees' medical needs.
We strip away the opaque PBM rebates, hidden network markups, and carrier profit margins that artificially inflate your premiums every single year.
Using proprietary data and direct provider contracting, we secure fair, cash-based pricing with local health systems and specialists for your team.
Our clients see an average of 20% - 60% in annual savings, all while maintaining full ACA compliance and improving care access.
Learn how unbundling your health plan helps companies save thousands each year—without cutting pay or benefits.
You’re forced to choose between absorbing unsustainable premium increases or passing the burden onto your employees. By moving to a custom self-funded architecture, you gain control over your claims data and eliminate the arbitrary annual rate hikes dictated by traditional carriers.
Switching from one big-box insurance carrier to another only changes the logo on the card. You’re still paying the same hidden network markups. We build a transparent plan that connects you directly to care, bypassing the carrier profit machine entirely.
You shouldn't have to choose between cutting company costs and providing premium care. Our custom plans are designed to permanently lower employer liability while drastically reducing—or even eliminating—employee deductibles and copays through strategic direct contracting.
Traditional plans use opaque Pharmacy Benefit Managers (PBMs) to hide massive markups on specialty drugs. We implement transparent Rx strategies that pass the rebates back to you. For example, we've taken a PPO charging $10,000/month for a Tier 4 prescripiton down to just $500/month. That alone saved their plan $100,000 annually.
