Free employer guide
Why Your Healthcare Costs Keep Rising
A 10-minute guide for HR Directors and CFOs who are tired of annual premium increases and want to understand what is actually driving them — and what to do about it.
What is inside
Where your dollars actually go. Every question answered.
Written for the person who owns the benefits decision, whether that is you or someone you share it with.
Why annual premium increases are not random and who benefits from the structure that produces them.
A breakdown of every layer between your payroll and your employees' care, with the percentages most employers have never seen.
How broker compensation works, why it creates a conflict of interest, and the five questions to ask at your next renewal.
How separating the primary care layer from your major medical plan changes the cost structure and what that looks like in practice.
Why employees avoid primary care under traditional plans, what that costs employers, and how DPC removes every friction point.
Specialists, mental health, travel, cost, and geography. All the questions employers ask before they consider making a change.
"Most employers are paying 40 to 45 cents on the dollar
in overhead before a single claim is paid."
This guide explains exactly where that overhead goes and what employers who have restructured their benefits are doing instead.
Who this guide is for
Written for the people who own the benefits decision
You manage the benefits experience every day and sit through the same renewal conversation every year. This guide gives you the vocabulary and the questions to change that conversation.
Healthcare is your second largest people cost. This guide explains what you are actually buying, what you are not getting, and what a transparent alternative looks like.
Benefits are a top three factor in employee retention. This guide helps you understand whether your current package is earning that position or just costing you money.
If your renewal is coming up in the next three to six months, this guide gives you the right questions to ask before you sign anything.
Get the guide. Start the conversation.
Download the guide, share it with your CFO or CEO, and bring it to your next renewal meeting. The questions it raises are worth asking regardless of what you decide to do next.