You can transform your health options for good. Here's how.
Big Insurance Hates This replaces one-size-fits-all group insurance with a defined contribution model that lowers costs for your business and gives employees care they can actually use.
Working with companies with employees in all 50 states
Watch the short video
A short walkthrough of how the Big Insurance Hates This model works — what it covers, what it costs, and who it fits.
You've thought, “there's got to be a better health care solution.” And you were right.
Today's broken health care system hurts both businesses and their employees. Health “benefits” are all too often unbeneficial for employees and their families.
- Costs are too high already — and getting higher.
- Premium increases are unpredictable year after year.
- Preventive care has become a luxury many can't afford.
- The actual value of benefits to the employee is low.
The number one cause of bankruptcy in the United States is health care costs — and the best way to protect your workforce isn't a one-size traditional group plan.
Build a better way for your company and your employees
Save your company and your people money
A defined contribution structure that lowers employer costs and puts real dollars back in employees' pockets.
Care employees can actually use
Access to high-quality health care services members use all year — not just coverage they hope they never need.
A foundational preventive program
Health Access Preventive covers most of your employees' everyday health care needs, from primary care to added services.
Individual Coverage Health Reimbursement Arrangement flexibility
Employees or individual family members who need a traditional insurance plan can still get one through an Individual Coverage Health Reimbursement Arrangement (ICHRA).
Low maintenance for HR
High-value and low-maintenance by design, so your team spends less time administering benefits.
Available in all 50 states
Health Access Solutions works with companies nationwide, including businesses with employees in all 50 states.
$5,700
Employee savings
The typical employee with a family saves up to $5,700 — and even more on out-of-pocket costs.
16–22%
Average savings
The typical business that switches saves up to 16–22% on employee health costs over time.
97%
Renewal rate
Virtually all businesses that try the solution renew, with less than a 3% annual cost increase.
0%
Risk from high claims
The defined contribution approach eliminates your risk from high claims.
Businesses love us
Companies are leaving group insurance behind for a defined contribution structure that is high-value and low-maintenance.
This is a great all-around employee health care program! Our employees are appreciating services like health club memberships that they never had before.
I would definitely recommend this health care program to any company. It is 10,000 times better than what we had before!
Our company has provided quality health care to our people for over 40 years. We made the switch to Health Access Solutions over two years ago, and it is the best program we have ever had.
A note from your broker
“Most business owners I speak with aren't looking for more options — they want clarity and lower costs. Big Insurance Hates This is one of the most powerful alternatives I bring to employers who have been priced out of traditional group insurance.”
Keith Trautman · NPN #19455684 · Licensed Insurance Broker
How we help
A simple process to reduce costs and increase clarity.
- 1
Understand your business
We look at your headcount, current plan, renewal timeline, and what your employees actually need.
- 2
Design the contribution
A side-by-side comparison of your group plan versus a defined contribution model — with the tradeoffs stated plainly.
- 3
Roll out and support
Enrollment, employee communication, and someone to call whenever a question comes up later.
Questions employers ask
Is Health Access Preventive insurance?
No. Health Access Preventive is not insurance. It is an employer-funded Employee Assistance Program that provides a foundation of preventive and everyday care services.
What happens to employees who need a traditional plan?
They can still access one. Employees or individual family members who need traditional insurance can be funded through an Individual Coverage Health Reimbursement Arrangement (ICHRA).
What size company is this a fit for?
Businesses that offer health benefits and are frustrated by unpredictable renewals. The model works for companies with employees in all 50 states.
How much can we expect to save?
The typical business saves up to 16–22% on employee health costs over time, and the typical employee with a family saves up to $5,700.
What does the 15-minute call cover?
A short, no-pressure conversation about your current plan, your renewal, and whether a defined contribution approach is worth exploring. If it isn't a fit, we'll say so.
Curious how this solution will work for your business?
Schedule a 15-minute call with Keith today. No pressure — if it isn't a fit, he'll tell you.