The two-path diagnostic
Two paths. Your choice.
From day one we run two parallel analyses and show you both, side by side. You already know both options up front — so the result is a decision, never a surprise.
Track A
Optimized Employer Model
Fully underwritten group-plan redesign
We redesign your fully underwritten group plan from the inside — restructuring the program so it works harder for the same population, without changing who owns the coverage. It's the conservative path: the structure your team already knows, optimized.
- Keeps the familiar group-plan structure your people already understand
- Lower disruption — no plan changes for employees
- A documented, defensible savings figure your CFO can sign off on
- A genuine alternative — never a forced move to anything you're not ready for
Typical first-year savings
18–25%
- Best for
- Companies not ready for a full transition
- Risk to employer
- Low — a familiar structure
- Employee impact
- No changes to plan for employee
Track B
Employee-Owned Health Model
ICHRA + Revival Health Model
We take the company out of the insurance business entirely. You fund individual coverage through an ICHRA; employees choose and own plans that travel with them between jobs. It's the path with the deepest documented savings.
- The deepest documented savings of the two paths
- Employees own coverage that follows them between jobs
- A fixed, predictable cost — disconnected from one bad claims year
- Employees still choose their own plans — low risk to the employer
Typical first-year savings
25–40%
- Best for
- Companies ready to maximize savings
- Risk to employer
- Low — employees still choose their plans
- Employee impact
- Employees can customize their coverage