The healthcare industry often conflates choice with control. While most programs offer employers a selection of pre-packaged options, few provide the practical autonomy needed to influence outcomes. It's like handing someone a steering wheel that isn't connected to the car – sure, they can turn it, but they're not actually driving.

Most programs talk about "member control" while systematically removing it. They’ll share carefully curated data but withhold the full picture. They’ll promise empowerment while quietly ensuring you remain functionally powerless.

Here's what real member control looks like: Since 2010, our program has maintained a -3.2% stop-loss trend against an industry of escalating costs. These results come from meaningful member control, not market forces. While others are stuck accepting whatever their carrier or program manager hands them, our members are actively driving their results.

Think about your current situation. Can you tie your specific deductible to your actual performance? Do you get 100% of your captive layer surplus returned? Most importantly – are you actually controlling your healthcare spend, or just managing the increases?

The difference is stark. Programs that limit member control are left managing escalating trends. Why? Because without real control, employers can’t address the root causes of their cost increases. They’re left implementing whatever one-size-fits-all solution their program manager recommends, hoping it somehow will still deliver better results than the year before.

That's why our approach is different. We believe member control isn't just about choice – it's about capability. It's about giving employers the tools, data, and authority to drive their own results to effect impactful cost savings and better outcomes for their employees.

When members have real control, they stop accepting excuses and start creating results. 

• They stop subsidizing underperforming groups through artificially suppressed rates
• They proactively drive their own results instead of hoping for good outcomes
• They implement cost containment strategies that fit their specific situation

The proof is in our members’ experience. With real control comes real confidence - not from promises or projections, but from having the authority and capability to drive better outcomes. They’ve moved beyond managing their healthcare spend to mastering it.

The gap between choosing from a menu and controlling your plan design is measured in millions of dollars and years of missed opportunity.