Benefits your people feel. Costs your CFO can defend.
HealthBus builds self-funded and level-funded health plans for employer groups from 10 to 1,000+ enrolled employees — with stop-loss protection, transparent pharmacy, and nurse-led navigation already in the quote.
Two questions start every quote: how many employees are enrolled today, and how is the plan funded.
How it works
A current census, your plan summary and rates, and recent renewals. Larger groups add claims history. Everything moves by secure, encrypted transfer.
Share your data
See real scenarios
Your proposal models best, expected, and maximum cost scenarios — so you decide with the full range in view, not a single teaser rate.
Launch with support
Plan setup, carrier and TPA integration, care-navigation onboarding, and open enrollment — then monthly reporting and an annual plan review.
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%
~$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
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.
"10–49 enrolled employees: quoted on Level-Funded. 50+: quoted on both Level-Funded and the Self-Funded Captive — you choose. Under 10: we'll tell you straight — we decline rather than quote a product that won't work for you."
Frequently asked questions
Any questions? Our team is here to help with clear answers and tailored solutions.
Will the group retain final authority over plan design, contributions, and eligibility rules?
Yes. All final decisions remain with the group.
How customizable are the plan designs? Can tiered options be maintained?
100% customizable. Tiered structures are allowed.
Is full ERISA compliance support provided (5500, PCORI, ACA, Wrap Docs)?
Yes. Full ERISA compliance is included.
Are there any penalties, locked reserves, or data restrictions upon exiting the program?
No. There are no such limitations or penalties.
What are the exit terms from the captive after 1–2 years?
No hurdles. Terms are consistent with standard Self-Funded/Stop Loss contracts.