Stop buying insurance.
Start buying healthcare.

Most employers pay 350% of Medicare for every procedure — and their carrier keeps the savings when claims are low. We built a health plan that fixes both problems.

See What Things Actually Cost How It Works
7,000+
Members Covered
95/100
Member Satisfaction
$173
Avg PMPM Reduction
45+
Employer Groups
The Problem Nobody Talks About

Your health plan is designed to be expensive.

The carrier, the hospital, and the PBM all profit from complexity and inflated prices. Here's what they don't want you to see.

The carrier and the hospital are the same company.

Across the Midwest, the dominant health plans are owned by the hospital systems billing you. They underprice year one to win the business, then hit you with 20–44% renewal corrections. The carrier never had to negotiate — they own both sides of the transaction.

Up to 44% renewal corrections from vertically integrated carriers

Hospitals charge 3–5x what the care actually costs.

A knee replacement that Medicare reimburses at $14,124 costs your plan $49,435. An MRI: $442 vs. $1,547. These aren't estimates — they're published, public CMS price transparency data. The same doctor, same equipment, same outcome. Just a different facility collecting the check.

Average Midwest hospital prices: 350% of Medicare (RAND, 2024)

Your PBM profits when your drug costs go up.

Pharmacy benefit managers earn spread on every prescription — the difference between what your plan pays and what the pharmacy receives. They steer to expensive drugs, rebate revenue flows to them instead of your plan, and the formulary is designed around their margins, not your members' health.

PBMs retain up to 50% of manufacturer rebates on specialty drugs

This isn't a negotiation problem. It's a structural one.

The carrier profits from premiums. The hospital profits from volume and inflated rates. The PBM profits from drug complexity. Nobody in the traditional model has a financial incentive to lower your costs. That's the system working exactly as designed — just not for you.

How Your Plan Works

Every SFH plan has two roads.
One costs a fortune. The other is free.

Your employees always have a choice. They can use the traditional hospital system (with standard deductibles and copays) — or take the paved road through our preferred providers and pay $0. Every time someone chooses the paved road, the plan pays less and they pay nothing.

The Dirt Road

Hospital System • Standard Deductible Applies
  • Opaque pricing — you never know the cost until the bill arrives
  • Hospital-owned networks steer to their own (expensive) facilities
  • 350% of Medicare average at Midwest hospitals
  • $5,000+ deductible for employees
  • 3-week wait for specialist appointments
  • No one helping your employees navigate the system
$49,435 knee replacement
VS

The Paved Road

SFH Preferred Providers • $0 Out of Pocket
  • Transparent, pre-negotiated pricing on every procedure
  • 327+ curated providers priced at ≤200% of Medicare
  • $0 for employees when they use preferred providers
  • Personal nurse navigator coordinates everything
  • Same-day/next-day primary care through DPC
  • National Centers of Excellence for complex cases
$19,990 knee replacement
Two paths: high-cost hospital route vs. no-member-cost preferred provider route

Both roads are always available. Your employees keep their PPO network and can use any hospital they want. But 80% of healthcare is scheduled — surgeries, imaging, specialist visits, prescriptions — and when they choose a preferred provider, they pay nothing and you pay less. The value comes from the choices, not the restrictions.

What's Included

Not an add-on. A replacement.

Every piece of a traditional health plan, rebuilt from scratch to work for the employer and the employee.

$0 Direct Primary Care

Personal physician. Unlimited visits. Same-day access. No copay. No deductible.

Personal Nurse Navigator

A real nurse assigned to your group who coordinates care, surfaces preferred alternatives, and prevents overpayment.

327+ Preferred Providers

Curated providers priced at ≤200% of Medicare. Imaging, surgery, specialists, and national Centers of Excellence. $0 for members.

Bundled Surgery Pricing

Pre-negotiated all-in prices from 15 providers, 236 procedures. One price, everything included.

Transparent Pharmacy

NADAC-based pricing, 100% rebate pass-through, multiple sourcing channels. No spread pricing, no hidden rebates.

Real-Time Savings Reports

Monthly medical and Rx savings reports by employer. Every dollar visible.

See the Numbers

What things actually cost.

Real Medicare rates. Real carrier markups. Real pre-negotiated SFH prices. No login required.

Knee Replacement
$49,435 carrier
$19,990
SFH bundled price
MRI (Brain w/ Contrast)
$1,547 carrier
$442
SFH preferred price
Colonoscopy
$4,200 carrier
$1,750
SFH bundled price
Medical Price Explorer → Rx Price Explorer →

1,300+ medical services and 129 specialty drugs — real costs, exposed markups. Plus hospital report cards, savings simulator, and more.

See All Tools →
Total Cost of Ownership

Don't compare year 1. Compare year 3.

Hospital-owned carriers underprice to win, then correct aggressively. Commodity TPAs process claims but don't manage cost. With SFH, employers who actively steer care can see costs drop year over year.

Hospital-Owned Carrier

Typical Midwest HMO/PPO
$$$$$
3-Year Total Cost
  • ✓ Low year-1 premium (subsidized)
  • ✗ 20-44% renewal corrections
  • ✗ Owned by the hospital billing you
  • ✗ No cost transparency
  • ✗ Carrier keeps all upside
  • ✗ No nurse navigation
  • ✗ PBM keeps rebates

Commodity TPA

"Self-Funded in Name Only"
$$$$
3-Year Total Cost
  • ✓ True self-funding
  • ✓ Some cost transparency
  • ✗ Relies solely on standard PPO network pricing
  • ✗ No active cost management
  • ✗ No preferred provider steering
  • ✗ No nurse navigation
  • ✗ Spread pricing on pharmacy
Best Value

Self Fund Health

Active Plan Management
$$
3-Year Total Cost
  • ✓ True self-funding — you keep the upside
  • ✓ Can get cheaper as steerage ramps
  • ✓ $0 DPC + $0 preferred providers
  • ✓ Personal nurse navigator
  • ✓ Bundled surgery pricing (≤200% Medicare)
  • ✓ 100% pharmacy rebate pass-through
  • ✓ Full transparency — every dollar visible

Our incentives are aligned with yours. No hidden fees, no spread pricing, no retained rebates. When your claims are low, the money stays with you — not us.

For Brokers & Advisers

We don't compete with you.
We make you look brilliant.

  • Set Your Own Compensation

    You set your own compensation. No claw-backs.

  • Solve the Renewal Problem

    Give clients a plan designed to get cheaper as steerage ramps — instead of apologizing for 20-44% corrections.

  • Win Accounts from BUCAHs

    Show a CFO what they're paying at 350% of Medicare vs. what they could pay. The Price Explorer does the selling.

  • Real Data for Every Meeting

    Monthly savings reports, real-time claims visibility, and provider pricing comparisons.

  • We Handle the Clinical Lifting

    Nurse navigators manage care coordination, surgery bundling, and pharmacy optimization. You sell. We execute.

By the Numbers

Active broker partners 23
Active agencies 15
Avg savings PMPM $173
Member satisfaction 95/100
Broker comp model You set your comp
Pharmacy rebates retained 0% (100% pass-through)
Markets WI, MN, IA, IL, MI
Become a Partner
Questions We Get

Yeah, but what about ...

Every good question we hear from employers and brokers, answered honestly.

"Self-funding sounds risky."
Stop-loss insurance caps your maximum exposure before day one. Every SFH plan includes it. The risk profile is comparable to fully insured — except you keep the upside when claims are low. 65% of covered workers in America are already on self-funded plans.
"Will my employees lose their doctors?"
No. SFH plans include full PPO networks (Alliance, Trilogy, Midlands Choice, and more). Every provider they use today stays in-network. The difference: preferred providers cost them $0. We don't restrict access — we make the better option free.
"What makes you different from other TPAs?"
Most TPAs process claims but don't manage cost. SFH is a fully integrated health plan — DPC, nurse navigators, preferred providers, bundled surgery pricing, pharmacy optimization, and savings tracking. Every piece built to work together. We didn't add vendors on top of a broken structure — we replaced it.
"How do I know this will save us money?"
We model your group's actual claims against our pricing before you sign. Monthly reports show exactly what you paid vs. what you would have paid at carrier rates. Our incentives are aligned with yours. We can't guarantee savings because healthcare is unpredictable, but we can guarantee you'll have full visibility and control over every dollar.
"What happens in an emergency?"
Emergencies are covered at the nearest facility, period. No pre-auth, no network restrictions. What we do differently is everything that isn't an emergency — which is 80%+ of healthcare. That's where the opportunity is.
"Do we see employees' medical records?"
No. HIPAA requires a strict firewall. You receive only aggregate, de-identified data — total spend, trends, savings. You never see individual diagnoses or procedures. Full HIPAA guide →
Case Studies

Don't take our word for it.

Ready to see what your plan could look like?

We'll model your group's actual claims against our pricing. No commitment. No pressure. Just math.

Get a Custom Quote Broker Partnership