Lower Costs Without Sacrificing Coverage or Employee Trust

For St. Louis employers with up to 300 employees, controlling healthcare costs without compromising employee experience is a balancing act. The right funding strategy can make all the difference.

We help you build a rolling three-year benefits roadmap - then determine the best funding arrangement to meet your goals. Whether it's fully insured, level-funded, self-funded, captive programs, reference-based pricing, or RX carve-out, we guide you through the options that best fit your size, risk tolerance, and culture.

• Employers with fewer than 50 covered employees may face limited options , but not as limited as you might think. Level funding has become more accessible and competitive, and reviewing both traditional and alternative carriers is essential.
• Employers with 50+ covered employees have access to a broader range of structures, including stop-loss strategies and self-funded models that unlock cost savings and greater flexibility.

We ensure your group is properly positioned for underwriting and connected with the most competitive funding partners-major carriers and disruptors alike.

No matter your group size, funding is just the start. The employee-facing plan design must reflect your company’s values and support the culture you want to build. We help you both reduce costs and strengthen your workplace identity.