Health insurance engineered for your bottom line
Most small and mid-sized businesses are priced on market averages—not their actual workforce. Level-funded health plans give qualified employers greater transparency, predictability, and control over their healthcare spend.
Stop overpaying for health insurance that isn’t priced for your team
Qualified employers often reduce total costs by 10–30% by moving from pooled, fully insured pricing to a level-funded plan built around their workforce’s actual risk—while keeping strong networks and benefits.
With fully insured plans, part of your premium goes toward subsidizing the broader risk pool. Level funding aligns costs more closely with your own claims experience, while protecting you with stop-loss coverage.
in savings vs traditional pooled plans
15-25%
of small firms report having a level-funded plan
42%
potential savings for qualified groups
10-30%
The default is costly
Most employers simply renew what they already have. In California, fully insured small-group coverage remains the default—largely because it’s easier to quote, easier to renew, and rarely requires deeper claims-based analysis.
Meanwhile, costs continue to climb. For 2026, filings show double-digit premium pressure in the small-group market, with a median proposed increase of around 11% nationally.
The result: many employers keep subsidizing the broader pool while competitors quietly move to benefit structures that are more transparent, data-driven, and controllable.
Smarter health plans without paying for everyone else
Level-funded plans offer predictable monthly payments without one-size-fits-all pooled pricing. Nationwide, 42% of small businesses (3–199 employees) have already made the switch. In California, adoption remains lower—largely because employers rarely see a clear, side-by-side comparison.
Our difference
We help employers regain control of their second-largest expense. Working with small and mid-market companies, we transition organizations from pooled, market-average pricing to underwritten health plans designed around their specific workforce.
