New 2027 Health Pass plan
Effective October 1, 2026 · A Healthpass Plans product.
What Is This?
Purpose-Built Self-Funded Plans
We provide pre-built, unbundled self-funded health plans with seamless vendor integrations — giving small and mid-size employers access to the same cost-saving strategies used by Fortune 500 companies.
The Spectrum of Employer Health Plan Options
Carrier sets price, keeps profit, you get no data.
Fixed monthly payment, transparent claims, stop-loss protection.
Choose each vendor separately — maximum control and savings.
Member-owned cooperative for major medical — transparent, community-based sharing.
Why Employers Switch
What's in It for You
Significant Cost Savings
Employers typically save 15–30% compared to fully insured plans by eliminating carrier profit margins and accessing claims data directly.
Unbundled Plan Design
Choose best-in-class vendors for each component — network, pharmacy, stop-loss, and administration — instead of accepting one carrier's bundled package.
Full Claims Transparency
Own your data. Understand exactly where your health spend goes and make informed decisions each renewal cycle.
Stop-Loss Protection
Individual and aggregate stop-loss coverage caps your worst-case exposure, so catastrophic claims don't bankrupt your plan.
Predictable Monthly Costs
Level-funded plans spread claim funding across 12 equal monthly payments — cash-flow friendly with the upside of self-funding.
Better Employee Benefits
Savings flow back into richer plan designs — lower deductibles, broader coverage, or added perks like DPC and virtual care.
The Model
How It Works
We assemble best-in-class vendors into a cohesive, pre-built plan and handle the local relationship and implementation end-to-end.
Stop-Loss Insurance
Individual and aggregate coverage caps your catastrophic claim exposure.
TPA / Claims Admin
A third-party administrator processes claims with full transparency and reporting.
Network Access
National or reference-based pricing networks — employees keep their doctors.
Pharmacy (PBM)
Pass-through pricing and specialty care management to slash Rx costs.
Industry-Leading Partners
We've built an ecosystem of best-in-class vendors — stop-loss underwriters, pharmacy, and network solutions — at pre-negotiated rates.
Real Results
Case Studies
Coastal Clinic
Moved from fully insured ($5,000 ded, $958/mo EO) to a $2,500 deductible plan at $258 less per month. Improved employee retention and financial viability.
CO Manufacturer
Left fully insured after steady annual increases and poor service. Despite a $180,000 shock claim in year two, achieved a flat renewal — then a 17% decrease the following year.
Portland Transport Company
Switched from a fully insured $2,500 deductible plan at $780/mo EO to a $0 deductible option at $200 PEPM less — better benefits for less money.
What Advisors Say
"This has been an invaluable partner for our firm, consistently delivering exceptional solutions for sourcing small to medium-sized business health plans… Their flexible ecosystem and responsive solution providers have empowered us to navigate previously challenging scenarios where clients felt painted into a corner."
Edwige Ligonde
Market Director, Nava Benefits
Common Questions