Three-Year Healthcare Rate Lock Guarantee
The Problem with Traditional Renewals
Every year, employers go through the same cycle:
Renewal increase →
Quote shopping →
Plan changes →
Repeat
Even when your population performs well, your costs can still go up.
👉 Because the system isn’t built around your actual risk.
A Different Approach to Healthcare Funding
Most employers only allow insurance carriers to price their plan.
But healthcare is ultimately a risk and capital problem.
When your organization demonstrates strong underwriting characteristics, that risk can be evaluated by institutional funding partners.
👉 You’re already going to market.
You’re just only letting insurance carriers bid.
When You Qualify
We begin with a risk assessment using the same data you already provide during renewal:
• Claims history
• Population demographics
• Cost volatility
• Utilization patterns
If the data supports it, your risk profile may be presented to institutional capital partners.
These institutions participate because they believe:
👉 your population represents low, predictable risk
What This Allows
If your organization qualifies:
• Your healthcare rate is locked for three years
• All costs are included (claims, admin, stop-loss)
• Your rate does not increase—even if claims fluctuate
👉 That’s what rate stabilization actually means.
Backed by Institutional Capital
These structures are supported by:
• Global financial institutions
• Specialty underwriting firms
• Advanced risk modeling
They participate because your data indicates the opportunity to deploy capital efficiently.
Stability with Potential Upside
For qualified employers, this structure may:
• Stabilize long-term healthcare costs
• Reduce balance sheet volatility
• Improve financial planning
• Create potential return if performance aligns
Traditional vs. Rate Stabilization
Traditional Model:
Annual renewals
Increasing costs
Uncertainty
Rate Stabilization:
Fixed rate
No increases
Predictability
EVEN IF YOU DON'T QUALIFY
There Are Still Better Options
The risk assessment still provides valuable insight.
Even when employers do not qualify for the three-year program, other strategies may still improve cost control and transparency including:
Level Funded Plans
Best for growing employers seeking predictable costs. If claims are lower than expected, employer could see surplus refund.
ICHRA Contribution Strategy
Best for smaller or geographically distributed workforces and particularly effective for organizations with variable workforce sizes.
Optimized Fully Insured Models
Improve your traditional insurance plans through better carrier negotiation, plan design adjustments, and cost-management tools.
Claims Indemnification Options
Reduce healthcare costs by identifying and correcting inefficiencies within medical claims by adding auditing claims software.
Captive Participation Strategy
Best for employers seeking long-term stability and shared risk. Captives are often used by employers who want multi-year healthcare funding stability.
Alternative Plan Design Models
Restructure benefits to better align costs with employee utilization and employer goals to improve cost control and increase transparency.
Our goal is always the same:
Align healthcare funding with the employer’s risk profile.