Workplace Health Benefits
The Problem To Be Solved
Business owners control supply chains and customer demand to drive profit. They need to see that healthcare costs can now be managed in similar ways.
There are thousands of North Florida small manufacturers, contractors, engineering firms, staffing groups, tech companies, and law firms. They supply services to huge local buyers such as the City of Jacksonville, JPMorgan, Berkshire Hathaway HomeServices, and Amazon.
But with little buying power, small company rates from FloridaBlue or UnitedHealthCare are based on age and zip code. Every year, their broker tells them there’s nothing they can do when you get that 6-12% rate increase. In stark contrast, mega-employers leverage their buying power to secure health insurance at a fraction of those costs. Specifically:
After the City of Jacksonville gave UF Health some $262 million in payment, they decided to leverage their $90 million/year premium budget to negotiate a direct care program. Today an individual employee’s premium is waived and the deductible is $750.*
JPMorgan, Berkshire Hathaway, and Amazon joined to form a closed-network for their employees called Haven Health. Bypassing the big carriers, the plans will have no deductibles, but will instead offer a fixed pricing schedule.
So the problem to be solved is how to deliver to smaller firms, the kind of supply chain healthcare management the City of Jacksonville and Amazon have adopted.
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* Source: coj.net and WJCT 3/18/14, "City Considers Direct Employee Health Plan With UF Health Jacksonville” Syd Hoskinson.