How employer health benefits actually work — explained plainly.
A running series for employers, HR directors, CFOs, and brokers: the foundations of group health, the players, where the money goes, and what better looks like.
Logistics · Southeast US
Facing a forced carrier exit and a $2.97M sole quote, this Miami-based company joined the HealthBus Captive: nine plans consolidated to one national carrier, deductibles and co-pays halved.
~900 eligible employees
Enrollment
+10%
Navigation Savings
~$50K
Plan Savings
+10%
Beverage manufacturer · Texas
An 8% level-funded renewal increase became a move to the captive, with richer benefits than before.
196 employees
Enrollment
196→326
Deductibles
Halved
First-year Spend
~$1.25M ↓