Cut Health Insurance Costs by 10-50%
Pair direct healthcare with ICHRA or Self Insurance to save.
ICHRA
ICHRA stands for Individual Health Coverage Reimbursement Arrangement.
It's ACA compliant group sponsored coverage that works like a 401k for healthcare. You set a defined fixed amount per month to reimburse employees for their individual coverage.
✅ Employees select the carrier and plan they want
✅ Buy up for lower deductibles, buy down for an HSA compatible plan
✅ No participation requirements- works for 1 to 300 employees
✅ Tax advantages for employer and employee
✅ Portable- coverage stays with the employee and gets you as the employer "out of the game"
✅ Choose different amounts for different classes (salary v hourly)
Works best for 1-300 employees
Self Insurance
Not as scary as it sounds! You pay each individual health claim as they come in- according to a plan design customized for your workforce. But- you stop paying when claims reach a specific threshold. This is called stop loss insurance. You pay a premium for stop loss. A common threshold is $25k for an employer with 100 people.
If you have a healthy workforce and have 100+ employees, this is the best way to sharply decrease your employee health costs.
Works best for 100+ employees
Faster Return to Work
24/7/365 AI guided care that routes employees to self-care, real doctor chat, or in-person care- so they get back to work faster with less disruption to your business operations.
Steamlines workers comp claims and includes a health analytics dashboard for proactive employee health management.
