The open market here works in your favor.
In most states, sending employees out to buy their own coverage is a gamble. Minnesota is different — and that difference is exactly why the biggest move in the plan tends to over-deliver here.
A market the state actively protects
Minnesota runs one of the country's few reinsurance programs — the Premium Security Plan — which has held individual-market premiums materially lower than they'd otherwise be. Strong, stable individual coverage is the foundation employee-owned health is built on.
Real choice, 180,000+ strong
More than 180,000 Minnesotans already buy their own coverage on an established, competitive market. Real carrier choice means your people get plans they actually want — at prices that make the math work.
So Step 2 over-delivers here
When individual coverage is this strong, funding it — Step 2 of the plan, employee-owned health — tends to land at the top of the typical savings range. John models your exact number before anything about your plan changes.
Illustrative. Minnesota employers tend toward the top of this range because of the strength of the local individual market. Your actual figure depends on your employee census and current plan — nothing here is tax, legal, insurance, or medical advice.
Same three steps. A home-field advantage on the big one.
Revival Health runs one plan, in a deliberate order — the easiest, highest-certainty win first, then the bigger structural moves only if they genuinely fit. In Minnesota, the middle step is the one to watch.
First-dollar coverage
Works the same everywhere — including here. A payroll-tax structure funds $0-deductible everyday care on top of your current plan, and most employers are cash-flow positive in 45–60 days.
Employee-owned health
You fund a fixed, tax-free amount; your people choose coverage they own and keep between jobs. This is the step Minnesota's individual market supercharges — typically 25–40% lower cost in year one, and the renewal roulette ends for good.
Employer-owned health
Prefer to stay with a traditional plan? John stress-tests it into a genuine full-market bid — every carrier, every funding model — typically 18–25% lower cost with the same or better coverage. The floor, not the ceiling.
Run by a Minnesota guy who knows this market cold.
John Butler is Minnesota through and through — and after 30+ years inside the insurance business, he knows exactly how the open market here behaves.
In 2023 he sold his own brokerage — on purpose — and founded Revival Health, because he was tired of a system that paid him more when his clients paid more. Today he works fee-only, on your side of the table. Minnesota people like working with Minnesota people — and it helps when that person already knows where the savings hide.
Get your Minnesota number. Then decide.
Tell us a little about your company. John will get back to you within one business day with a straight read on what the plan would do here — starting with the step that costs you nothing. No obligation, no pitch.
- Built and run from Minnesota
- All three steps assessed — you decide from the math
- Fee-only, with a 30-day money-back guarantee on the retainer
Prefer to ask questions first? Virtual John — a real AI built on hours of John's actual calls — is in the corner of this page, or you can open the full consultation.
Talk to Virtual John