Better benefits. Lower spend. One quote.
HealthBus combines captive stop-loss protection, transparent pharmacy pricing, and nurse-led care navigation into a single employer health plan – so the savings show up in the same place the costs do.
Built for
employer groups from 10 to 1,000+ enrolled employees, nationwide.
Fully-insured renewals are a black box.
it shows.
A Number, Not an Explanation
Your renewal arrives with an increase and no line-item story behind it.
Your Claims Data, Withheld
You fund the plan, but the carrier controls the data that explains it.
Pharmacy Pricing You Can't Audit
Spread pricing and hidden rebates mean the PBM wins whether or not you do.
Pooled With Strangers
Your well-run plan subsidizes someone else’s bad year.
No Plan for the 5%
A handful of high-cost claimants drive most of the spend — and nobody is managing them.
Benefits Employees Don't Use
$5,000 deductibles teach people to skip care until it becomes an emergency.
One integrated benefits platform.
HealthBus brings the pieces employers usually buy separately — stop-loss protection, pharmacy contracts, care navigation, and plan administration — into one quoted product with one accountable team, aggregating buying power across medical, pharmacy, and ancillary benefits. Underwriting runs through our dedicated MGU partner, savings modeling and pharmacy economics are built in-house, and performance is reported to you monthly.
Captive Stop-Loss
Transparent PBM
Nurse-Led Navigation
Underwriting & Data
Performance Reporting
Implementation & Enrollment
Who We Serve
Employers
For CFOs and HR leaders who want benefits that compete for talent without writing the carrier a blank check. Level-funded from 10 enrolled employees; captive from 50.
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Brokers & Consultants
A quoting partner for your hardest renewals: an integrated captive + PBM + navigation story, an underwriting-ready data checklist, and proposals that model best, expected, and maximum scenarios.
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TPAs & Health Plans
We integrate with your claims, pre-authorization, and network stack — and bring you employer groups built to perform.
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Self-Funded Captive
Groups of 50+ share a defined layer of claims risk, buy stop-loss collectively, and keep the underwriting profit.
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Level-Funded Plans
Groups of 10+ get fixed monthly costs, self-funded economics, and year-end surplus that can come back to them.
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Transparent Pharmacy (PBM)
Pass-through pricing, rebate terms you can read, and formulary decisions made for the plan — not the middleman.
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Care Navigation
Nurses steer employees to high-quality care — at no out-of-pocket cost for navigated services.
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Reporting & Analytics
Monthly performance reporting, large-claimant visibility, and annual re-underwriting.
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Value propositions
Captive members purchase stop-loss reinsurance collectively, so one catastrophic claimant doesn’t define your renewal.
Protected from the worst year
When the plan runs well, level-funded surplus and captive underwriting profit return to the employers who earned them.
Upside stays with you
Pass-through PBM economics with rebate terms in writing — no spread, no mystery.
Pharmacy you can audit
Care navigation that pre-authorizes, schedules, and steers — wired directly into the TPA.
A nurse, not a phone tree
$150K–$200K
Savings guaranteed in year one
<2%
Historical annual cost increase — against much higher industry averages
Up to 70%
Savings on brand-name prescriptions
~$1.25M
First-year savings for one captive client vs. staying with the incumbent carrier (2024 case study)
Employers join for the savings. They stay for the plan.
Facing an 8% renewal increase on a level-funded plan, a 196-employee beverage manufacturer in Texas moved to the HealthBus self-funded captive. Deductibles and co-pays were cut in half, enrollment grew from 196 to 326, and estimated first-year spend came in roughly $1.25M below what the incumbent plan would have cost — with better benefits.
