Each year, employers get hit with another renewal increase. They're frustrated, and they're looking for a real alternative. Give them one.
You set your own compensation. We don't cap it, bury it, or claw it back. Your business, your relationship.
Stop cycling clients between carriers every 2-3 years chasing the lowest quote. Give them a plan designed to get cheaper over time through active cost management.
Our Price Explorer is a conversation starter. Show a CFO what they're paying at 350% of Medicare vs. what they could pay — and you've got their attention before the pitch even starts.
You choose the stop-loss carrier. We don't bundle it, mark it up, or require ours. Bring your own spec and relationship — we integrate with any partner.
Self Fund Health Overview for Brokers
These brokers have delivered measurable savings over the past 12 months.
| Rank | Broker | Region | 12-Mo Savings | PMPM Savings |
|---|---|---|---|---|
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Minimum 2 employer groups active with SFH. Data: 3/01/25 - 2/28/26. PMPM based on 30-day member months. Questions? ben@selffundhealth.com
Your client is paying fixed premiums to a carrier who keeps all the upside and controls all the pricing. They're overdue for a conversation about what self-funding could look like.
Best fit: 50+ EEs, tired of renewal surprises, willing to try something different.
Why Replace Fully InsuredSelf-funded in name only. The carrier processes claims at their own network rates (350% of Medicare), retains pharmacy rebates, and does nothing to actively manage cost.
Best fit: Groups already self-funded who want real cost management, not just claims processing.
Why Replace ASOIf your client is already shopping for a TPA, SFH should be in the mix. We're not a commodity TPA. We're an integrated plan with DPC, navigation, preferred providers, and active cost management built in.
Best fit: Groups who've tried self-funding but didn't see the results they expected.
Submit an RFPUse this to qualify prospects. The employers who benefit the most share a few things in common.
Employee onboarding sessions, custom communication materials, dedicated nurse navigator, and ongoing support — all included.
This is the objection you'll hear most. Here's the data to crush it.
Hospital complication rate
30-day, routine procedures
ASC complication rate
Same procedures, better outcomes
No price-quality link
47% of studies found zero correlation
A 2020 systematic review of 47 studies found no general relationship between hospital prices and quality of care. Hospital pricing is driven by market power, consolidation, and facility fees — not clinical outcomes. The RAND Hospital Price Transparency Study confirms it: private insurers pay hospitals 254% of Medicare on average. That markup doesn't buy better care — it buys bigger buildings and higher executive pay.
Meanwhile, ambulatory surgery centers — the independent, physician-owned facilities SFH steers to — show lower complication rates, lower revisit rates, and lower infection rates across the board. The surgeons are often the same doctors who operate at the hospital. They just also work at an ASC where they can focus on surgery instead of hospital bureaucracy.
Research shows the majority of patients will travel up to 2 hours for better surgical outcomes. Add $0 out of pocket and the question answers itself. A hospital visit costs $3,000–$5,000 with deductibles and copays. The preferred provider is free.
81% of Americans are dissatisfied with healthcare costs. 70% say the system has major problems (Gallup, 2024). Employees aren't happy with the status quo. A personal DPC doctor, $0 surgeries, and a nurse navigator isn't a downgrade — it's the best healthcare they've ever had.
Read the full research in Lesson 3: Higher Cost ≠ Higher Quality →
Most employers who switch started fully insured. SFH is one fully managed plan — no vendor juggling, no complexity for the employer. Share our Self-Funding Academy with any employer who's new to the concept.
When a fully insured carrier quotes a lower year-1 rate, don't panic. Frame the conversation around total cost of ownership:
The 3-year total cost of ownership is where SFH wins consistently.
Send us an RFP and we'll model your group's potential. Here's what we need:
Excel format with each member's details (age, gender, zip, tier, salary if available).
Group name, subsidiaries, locations, SIC code, and agent commission.
Current plan details, renewal rates, and SBC/SPD if available.
Large claims data if available (not required but helps with stop-loss pricing).
Or contact our team directly: ben@selffundhealth.com
When employers start buying healthcare — not just insurance — the role of the adviser changes. CHPA is the certification for that new role.
A CHPA guides employers and employees on DPC utilization, provider cost/quality variation, and how everyday decisions impact the healthcare budget. It's a practical, education-driven role built around smarter healthcare purchasing.
Training on DPC, cost/quality interpretation, member guidance, and real-time data usage in a modern health plan.
Structure for helping employers and members make value-based decisions every month — not just at renewal.
Access to compensation tied to employer outcomes — a model aligned with helping employers spend less, not more.
Join a network of professionals building a transparent, proactive approach that empowers employers and employees.
Designed to be forwarded. No broker jargon — just clear content that answers the questions your clients are asking.
"Where would my employees go?" Videos, locations, and $0 pricing for every DPC practice and preferred provider.
"I don't understand self-funding." Interactive lessons, quizzes, and interactive tools that do the convincing for you.
"Who else has done this?" Video testimonials from Kayser Auto, Paper Machinery Corp, and Mayville School District.