Make The Impossible,
Possible
The self‒funded solution that mid‒size employers
have been waiting for.
No More Complaints,
Just Satisfied Employees
You work hard on your employee benefits program. Settling for a status quo health plan at an insane price point is frustrating. You and your employees deserve better!
Your employees want more choices and world-class resources to manage their health without being buried by insane deductibles. You want to reward them with a health plan that delights without causing your CFO to pass out when they see the bill.
With this first-of-its-kind health plan for Utah employers, you get what you want, the CFO gets what they want, and--most importantly--the employees get what they want.
Better Benefits & Lower Costs?
I've Heard This Before.
We would be worried if you weren't skeptical! Everyone is claiming the same thing: "We have the secret sauce to lowering your health plan spend".
Our health plan is built on established results from the best practices of thousands of employers across the country. Unfortunately, very few Utah employers are currently employing these winning strategies. Therein lies the opportunity.
Keep reading! We will tell you how our plan is different.
Technology
Manufacturing
The Trades
Education
Professional Services
Public Sector
What is a community‒owned health plan?
Please Just Tell Me In Plain English
A Community-Owned Health Plan is a group of self-funded employers in the same geographic area. The group uses the same proven self-funded strategy to offer first-class health insurance and slash costs.
We'll connect your employees with amazing vendors which, in many cases, results in ZERO out‒of‒pocket costs. Better yet, these vendors can help your plan save millions over the next five years.
Are you a mid-size employer headquartered somewhere between Ogden and Provo? This program was designed for you.
Every industry is welcome!
No need to belong to an Association, PEO, or Union.
Don't see your industry above? The program can still work for you! We simply ran out of tiles while building this webpage :)
Not Just Another Self‒Funded Plan
FREE Healthcare For Employees
Navigating the healthcare landscape is confusing! We connect employees with high-value, low-cost providers by making those services FREE.
Expert Care Coordination
Let's introduce you to a platinum-tier care coordination vendor that is typically reserved for employers with over 1,000 employees.
A Perfectly Aligned Broker
What if your broker worked for free until the health plan performs as expected? Crazy, right? That's exactly what we've done.
What Makes A Community-Owned Health Plan Different
Turnkey Self-Funding
Everything you need to self-fund, already in place. Implementation is a breeze. No need to spend two months on calls.
Consistent, High-Quality Vendors
No need to build a self-funded program from scratch. Access platinum-tier vendors and pricing typically reserved for 1,000+ employers.
Individually Underwritten
No risk-sharing required. No co-mingling your assets with other employers. You will be rewarded for mastering your health plan risk.
Care Coordination Built In
World-class care coordination is included. Your employees have a place to go to understand their health plan without relying solely on HR.
Scalable and Proven
The same foundation works whether you have 50 or 1,000 employees. Self-funding strategies are no longer exclusively for "the big guys".
Big Savings
We target $500,000 in Year 1 savings for every 100 enrolled employees on the health plan--AND the savings compound year-over-year.
Pricing Options (broker commissions)
Your Broker's compensation should not be a mystery. No Medical Commissions. No Overrides. No Incentive trips.
You pick the way you want us to be compensated for our work.
Most Savings
$100,000 Paid Upfront
One payment in month 1 of year 1. You keep 100% of your savings. After Year 1, you decide to either switch to a fixed consulting fee of $40 PEPM + ancillary commissions or pay upfront (discount = two months) + ancillary commissions.
The program targets $500,000 in savings per 100 enrolled employees. You save big by paying upfront.
No Implementation Fees
No Commissions (Year 1), Overrides, Carrier Bonuses, or Carrier Incentive Trips
Most Popular
50% of Year 1 Savings
$0 paid during year 1. If we successfully save you money, we share 50% of the savings. If we don't save you money, our services are completely free. After Year 1, we switch to a fixed consulting fee of $40 PEPM + ancillary commissions.
We work for FREE in Year 1
We are only paid if you save money
No Implementation Fees
No Commissions (Year 1), Overrides, Carrier Bonuses, or Carrier Incentive Trips
Most Flexibility
Mix of Shared Savings & Monthly Fee
Employers must have a minimum of 300 enrolled employees to select this option.
For large employers, a hybrid approach may make sense with the employer keeping a larger percentage of Year 1 savings and negotiable monthly fixed fees.
Maximum negotiation flexibility
No Implementation Fees
No Commissions (Year 1), Overrides, Carrier Bonuses, or Carrier Incentive Trips
About the Creators
We have spent over a decade "nerding out" on health insurance best practices to deliver a top-performing health plan for your organization. As two Utah natives, building a program specifically designed for Utah-based employers has been immensely rewarding.
Jonathan "Jonny" Harris
Jonny has lived in Utah for over 30 years and is proud to call it home. Jonny loves spending all of his free time with his wife and two young children. They enjoy going to the zoo, playing at the park, and exploring the dinosaur museum. In his personal time that he doesn't have, Jonny likes to play racquetball, volleyball, and soccer; follow the local sports teams (go Cougs!); and is always ready for a fun card game or board game.
Jonny started his career as a medical insurance underwriter and learned the intimate details of "how they make the sausage". He has spent the last 6 years consulting large UT companies on advanced self-funding strategies. Jonny is a licensed employee benefits consultant and is a Health Rosetta certified advisor.
Kyle "Kyle" Hansen
Kyle is a born-and-raised Utahn. However, he did a 2 year stint in west Texas and moved to Georgia for a year with his family. Seeing more of the world has helped Kyle appreciate the beauty of Utah and the amazing people that live here.
Kyle is married to his highschool sweetheart and they have 2 rambunctious boys together. Kyle loves fishing with his sons and playing pickleball when he gets some free time. He's also an amateur woodworker and loves turning wood on his lathe into beautiful vases, bowls, or pens.
Early in his career, Kyle was a contractor building pergolas and decks before selling his business and making a major pivot to helping HR leaders. He's been in the industry since 2021 and is excited to help your company with benefits.
Frequently Asked Questions
Isn't self-funding only for employers with 1,000+ employees?
If we were having this conversation in 2010 I would readily agree with you! However, we are currently experiencing a renaissance of innovation that is bringing self-funded strategies down market to mid-size employers. What may have been considered risky 15 years ago, is now the best way to manage your company health plan.
How long does it take to implement your program?
This is one of our favorite parts of our program. Traditional self-funded implementations take months of effort. We've simplified the implementation process down from 20+ hours of calls to 2-3 hours of calls. We are confident that we can successfully implement your group for a 1/1/2026 launch date if we start by mid-October at the latest.
Which healthcare networks does your program access?
This program has been designed for Utah-based employers. Consequently, your employees will have the option to choose between two networks that are meaningful to Utah residents. One network includes comprehensive access to Intermountain Healthcare facilities and doctors. The second network includes access to University of Utah, HolyCross (Common Spirit), and MountainStar (HCA) facilities and doctors. Both networks include access to thousands of indepent physicians, clinics, and specialists.
What if I have employees that don't live in Utah?
Our program works perfectly for employees that live elsewhere in the country. One of the network options is among the largest, most comprehensive networks in the country.