The Problem

  • Employers are paying more each year, but employees are getting less coverage and fewer benefits. Why?

    • Health insurance costs have increased by over 50% in the last decade, outpacing wages and inflation.

    • Deductibles are at an all-time high with many employees having to pay thousands of dollars out-of-pocket before insurance even kicks in.

    • Premiums continue to rise every year, and employers are often forced to shift more of the cost burden onto employees through higher contributions and cost-sharing.

    • More services are getting excluded from traditional insurance plans, making coverage feel thinner while costs keep rising.

    • Traditional insurance carriers often benefits from higher spending, not from keeping costs low. They have no real incentive to change.

    The result? Employers feel trapped in a system where they keep paying more for less, while employees feel the impact in the form of higher costs and worse coverage.

  • Even though employers are spending more than ever, employees are more frustrated with healthcare than they’ve ever been. Why the frustration?

    • Long wait times & difficulty accessing care: it can take weeks or months to get an appointment with a primary care physician. As a result, employees often resort to urgent care or the ER because they can’t get in to see their doctor when they need to.

    • Confusing networks and surprise bills: employees don’t know which providers are in-network until they receive an unexpected out-of-pocket bill.

    • Overwhelming out-of-pocket costs: many employees skip or delay care because they’re afraid of the cost, even though they have insurance.

    The result? Employees don’t trust their insurance to take care of them. In many cases, they’re right.

The Solution

  • The first step in fixing healthcare is changing how you think about it. For too long, employers have been told that the only way to provide healthcare is through traditional insurance carriers…where costs keep rising, coverage keeps shrinking, and no one can explain where the money actually goes.

    What needs to change?

    • Stop thinking of healthcare as just another expense. It’s a business decision that impacts both your employees’ well-being and your bottom line.

    • Understand that you don’t have to accept the status quo. There are solutions designed to eliminate waste and align incentives so that better care costs less.

  • Tradititional insurance is filled with layers of middlemen who each take a cut, driving up costs without improving care.

    • Insurance carriers, pharmacy benefit managers (PBMs), and Third-Party Administrators (TPAs) are often financially incentivized to increase spending, not reduce it.

    • Opaque pricing means no one really knows how much a service should cost.

    We only work for independent vendors who are paid transparently, with no hidden fees or commissions. Instead of funneling money into a system with a flawed design, we align incentives between employers, providers, and employees to drive better outcomes.