Reduce Healthcare Costs Without Reducing Benefits.
Employer Health Protocol™ is a structured employer healthcare strategy that helps organizations improve employee access to everyday healthcare, increase employee take-home pay, and reduce healthcare spending through a documented, advisor-reviewable implementation framework.
- Reduce employer cost
- Better everyday care
- More take-home pay
Why organizations are looking for better healthcare strategies
Leadership teams are re-evaluating benefits under real, converging pressures. Understanding these forces is the first step toward a more durable strategy.
Rising healthcare costs
Premiums and total plan spend continue to climb year over year, pressuring budgets and forcing difficult trade-offs between cost control and the coverage employees expect.
Employee financial pressure
Higher deductibles and out-of-pocket costs strain household budgets, leaving employees to delay or skip care and adding financial stress that follows them to work.
Benefits utilization
Rich benefits create little value when they go unused. Complex, disconnected coverage often means employees under-engage with the everyday care that keeps them healthy.
Workforce retention
Meaningful, well-communicated benefits are a decisive factor in attracting and retaining talent — and a growing point of differentiation in a competitive labor market.
Results your advisors can review, your employees can feel
A compliant employer-sponsored healthcare strategy designed to control cost, expand access, and improve net pay — with documentation built for due diligence.
Lower Employer Healthcare Costs
Reduce total healthcare spend through a modeled, compliant employer-sponsored medical benefit structure — without cutting coverage your team relies on.
Increase Employee Take-Home Pay
Eligible employees may keep more of their earnings through a compliant employer-sponsored benefit, while gaining access to richer everyday care.
Better Everyday Healthcare Access
Virtual care, mental health support, prescription savings, preventive care, and wellness resources — connected in one employee experience.
Advisor-Reviewable Framework
Built to be reviewed by your CPA, ERISA counsel, payroll provider, and benefits advisor with documentation and substantiation to support due diligence.
A clear path from evaluation to launch
We start with analysis, build a tailored strategy, and support you through implementation.
Discovery & Analysis
Meet with our team to understand your current healthcare strategy, employee population, and goals. We evaluate whether this approach is an appropriate fit before making recommendations.
Personalized Strategy
If appropriate, we prepare a customized employer analysis that estimates potential financial impact, implementation considerations, and employee benefit enhancements based on your organization's circumstances.
Implementation & Ongoing Support
Implementation is coordinated with experienced administrators. Employers and employees receive onboarding resources, and ongoing support is available after launch.
Model the impact for your organization
Adjust the inputs to see how a compliant employer-sponsored healthcare strategy can affect employer costs, employee take-home pay, and healthcare value.
Plan assumptions
Customize the scenario for your workforce.
Optional. Defaults to 6% of average salary when left blank.
Estimated annual impact
Illustrative estimates only.
Illustrative estimates only. Actual results depend on eligibility, plan design, participation, and employer-specific factors. A personalized analysis is required.
Show your team the personal impact
Model the illustrative monthly and annual take-home improvement an eligible employee may see under a compliant employer-sponsored benefit.
Employee take-home estimate
Illustrative monthly and annual impact
A blended estimate of federal, state, and payroll (FICA) rates. Your actual rate depends on your withholding and personal circumstances.
Informational only. This content and any estimates are for general education and are not legal, tax, accounting, ERISA, or payroll advice. Results are illustrative and depend on your inputs. Consult your own qualified advisors before making decisions.
Documentation built for review
Everything your leadership team and advisors need to evaluate the strategy with confidence — organized, transparent, and ready for independent review.
Frequently asked questions
Clear answers to the questions leadership teams and advisors raise most often.
Schedule a discovery call
Book a working session with a plan strategist. We will walk your census, model the impact, and map a compliant path forward — no obligation.