Fixed monthly costs. Self-funded upside.
For employers with 10 or more enrolled employees: one predictable monthly payment covering expected claims, stop-loss protection, and administration. If claims come in under expectations, year-end surplus can return to you — instead of staying with a carrier.
Quoting employer groups nationwide · Quotes built from your group's own data, not a book average
Your well-run plan subsidizes someone else’s bad year.
Pooled With Strangers
Renewal increases with no line-item story behind them.
A Number, Not an Explanation
A handful of high-cost claimants drive most of the spend — and nobody is managing them.
No Plan for the 5%
Purpose-built to reduce risk
across healthcare.
Purpose-built to reduce risk across healthcare.
One predictable number
A fixed monthly payment your CFO can plan around — no mid-year claims surprises.
Stop-loss built in
Specific and aggregate protection is part of the product, not an add-on to negotiate.
Surplus can come back
Run the plan well and year-end surplus can return to the employer — a structural difference from fully-insured.
Renting your health plan stopped working.
HealthBus is ownership.
An integrated benefits platform: captive stop-loss, transparent pharmacy, and nurse-led care navigation in one quoted product — with the plan’s economics pointed back at the employer. HealthBus contains costs, shares best practices, and returns profits: a stable, transparent solution in today’s hardening stop-loss market.
~$1.25M
First-year client savings vs. the incumbent carrier (2024 case study)
196 → 326
Enrollment growth after deductibles and co-pays were cut in half
$0
Employee cost for navigated services