The American healthcare system is at a breaking point. Employers are facing rising costs, a lack of transparency, and a market dominated by insurance carriers and intermediaries who prioritize profit over affordability. While traditional insurance models continue to drive double-digit premium increases, alternative funding solutions—such as self-insurance, captives, and direct cost management strategies—are rapidly gaining traction.
ClearPoint Health (CPH) is a private-sector solution to this public health issue, uniquely positioned at the intersection of four major macro trends reshaping the health insurance landscape:
- The relentless rise in employer healthcare costs and the need for sustainable alternatives.
- Public demand for greater accountability and transparency in how healthcare is priced and financed.
- The industry’s shift toward market-driven, employer-led health solutions as businesses take control of their healthcare spend.
- Regulatory and political tailwinds favoring innovative private-sector solutions that reduce inefficiencies and administrative waste.
Rising Healthcare Costs Are Unsustainable—CPH Provides a Market-Driven Solution
The cost of providing health benefits is outpacing wage growth and inflation, putting enormous financial pressure on businesses, especially small and mid size businesses (SMBs). Annual employer healthcare costs continue to rise by 10-15%, leaving many organizations scrambling for alternatives to traditional, fully insured plans. Yet, rather than addressing cost drivers, traditional large insurance companies continue to extract profits through opaque pricing structures, hidden fees, and restrictive network arrangements.
This ongoing cost crisis is driving a broader industry shift toward employer-driven insurance models. McKinsey’s “The Future of Healthcare in the U.S.” projects that over 50% of SMB employers will transition to alternative funding models by 2030, reflecting a widespread move away from fully insured, carrier-controlled plans in favor of more transparent, cost-efficient structures like self-insurance, captives, and level funded arrangements.
ClearPoint Health provides a transparent, data-driven alternative by helping employers transition from a passive insurance buyer to an active manager of healthcare costs. Through solutions such as medical stop loss captives, level funded plans, and integrated cost management strategies, ClearPoint Health enables businesses to:
- Take control of healthcare as a capital expenditure, rather than treating it as an unpredictable renewal cycle.
- Leverage real-time claims data to reduce waste, optimize spending, and implement proactive cost management strategies.
- Eliminate insurer profit margins on unused premiums, allowing employers to retain surplus funds rather than forfeiting them to traditional insurance companies.
Through ClearQuote’s efficient, single submission RFP process, benefit advisors can access ClearPoint Health’s digital alternative funding marketplace and evaluate multiple alternative funding structures, ensuring they select the best financial model for their workforce.
Public Demand for Accountability in the Wake of Market Failures
In recent years, public frustration with the status quo has reached a tipping point. Traditional insurance companies continue to lock businesses into one-size-fits-all plans with little transparency into pricing, claims costs, or pharmacy expenditures. This lack of accountability has led to:
- Rising out-of-pocket costs for employees, making healthcare less affordable.
- Limited insight into key cost drivers, preventing employers from making informed decisions.
- A reactive renewal process, where businesses are forced to accept rate hikes rather than managing costs proactively.
ClearPoint Health is directly aligned with the growing demand for a more transparent, employer-led approach. By providing access real-time intelligence and carefully vetted cost management solutions, CPH empowers employers to move beyond traditional insurance pricing games and engage in proactive risk management.
The Industry’s Shift Toward Market-Based, Employer-Led Health Solutions
The traditional insurance model no longer serves the financial or healthcare interests of employers and employees. For decades, the fully insured market has been dominated by large insurance companies that dictate pricing, restrict provider access, and prioritize their profit margins over cost efficiency. This model is fundamentally misaligned with employer and employee needs, leading to rising costs, limited flexibility, and a lack of innovation in plan design.
Employers are responding by rejecting traditional health plans in favor of market-driven solutions that offer greater flexibility, cost savings, and financial control. The growing adoption of alternative funding insurance models reflects a broader shift away from traditional group health plans and toward customized, employer-driven strategies.
ClearPoint Health is a leader in this transformation, offering solutions that:
- Allow businesses to pool risk in a captive model, gaining purchasing power while maintaining control over plan design.
- Leverage data-driven risk management to align healthcare spending with long-term business objectives.
Regulatory and Political Trends Favor Private-Sector Efficiency Over Traditional Insurance Models
The current regulatory and political landscape is shifting to support private-sector innovation in healthcare financing. Policymakers are increasingly focused on reducing the role of intermediaries, increasing transparency, and promoting employer-driven health solutions.
ClearPoint Health is fully aligned with this shift. By minimizing the role of traditional insurance models, CPH helps employers:
- Cut administrative waste and redirect spending toward actual healthcare services.
- Engage in direct cost management strategies that bypass excessive middlemen fees.
- Implement value-based healthcare purchasing, ensuring that every dollar spent contributes to better outcomes.
Future-Proof Your Healthcare Strategy with ClearPoint Health
The current health insurance model is unsustainable, but employers don’t have to accept rising costs as inevitable. ClearPoint Health provides a market-driven alternative, offering transparent, cost-effective, and employer-controlled healthcare financing solutions that put employers back in charge.
If your organization is ready to transition from a passive insurance buyer to a proactive risk manager, now is the time to explore how ClearPoint Health’s private-sector solutions can transform your approach to healthcare financing. Contact us today to take control of your healthcare costs and secure a sustainable future.
The American healthcare system is at a breaking point. Employers are facing rising costs, a lack of transparency, and a market dominated by insurance carriers and intermediaries who prioritize profit over affordability. While traditional insurance models continue to drive double-digit premium increases, alternative funding solutions—such as self-insurance, captives, and direct cost management strategies—are rapidly gaining traction.
ClearPoint Health (CPH) is a private-sector solution to this public health issue, uniquely positioned at the intersection of four major macro trends reshaping the health insurance landscape:
- The relentless rise in employer healthcare costs and the need for sustainable alternatives.
- Public demand for greater accountability and transparency in how healthcare is priced and financed.
- The industry’s shift toward market-driven, employer-led health solutions as businesses take control of their healthcare spend.
- Regulatory and political tailwinds favoring innovative private-sector solutions that reduce inefficiencies and administrative waste.
Rising Healthcare Costs Are Unsustainable—CPH Provides a Market-Driven Solution
The cost of providing health benefits is outpacing wage growth and inflation, putting enormous financial pressure on businesses, especially small and mid size businesses (SMBs). Annual employer healthcare costs continue to rise by 10-15%, leaving many organizations scrambling for alternatives to traditional, fully insured plans. Yet, rather than addressing cost drivers, traditional large insurance companies continue to extract profits through opaque pricing structures, hidden fees, and restrictive network arrangements.
This ongoing cost crisis is driving a broader industry shift toward employer-driven insurance models. McKinsey’s “The Future of Healthcare in the U.S.” projects that over 50% of SMB employers will transition to alternative funding models by 2030, reflecting a widespread move away from fully insured, carrier-controlled plans in favor of more transparent, cost-efficient structures like self-insurance, captives, and level funded arrangements.
ClearPoint Health provides a transparent, data-driven alternative by helping employers transition from a passive insurance buyer to an active manager of healthcare costs. Through solutions such as medical stop loss captives, level funded plans, and integrated cost management strategies, ClearPoint Health enables businesses to:
- Take control of healthcare as a capital expenditure, rather than treating it as an unpredictable renewal cycle.
- Leverage real-time claims data to reduce waste, optimize spending, and implement proactive cost management strategies.
- Eliminate insurer profit margins on unused premiums, allowing employers to retain surplus funds rather than forfeiting them to traditional insurance companies.
Through ClearQuote’s efficient, single submission RFP process, benefit advisors can access ClearPoint Health’s digital alternative funding marketplace and evaluate multiple alternative funding structures, ensuring they select the best financial model for their workforce.
Public Demand for Accountability in the Wake of Market Failures
In recent years, public frustration with the status quo has reached a tipping point. Traditional insurance companies continue to lock businesses into one-size-fits-all plans with little transparency into pricing, claims costs, or pharmacy expenditures. This lack of accountability has led to:
- Rising out-of-pocket costs for employees, making healthcare less affordable.
- Limited insight into key cost drivers, preventing employers from making informed decisions.
- A reactive renewal process, where businesses are forced to accept rate hikes rather than managing costs proactively.
ClearPoint Health is directly aligned with the growing demand for a more transparent, employer-led approach. By providing access real-time intelligence and carefully vetted cost management solutions, CPH empowers employers to move beyond traditional insurance pricing games and engage in proactive risk management.
The Industry’s Shift Toward Market-Based, Employer-Led Health Solutions
The traditional insurance model no longer serves the financial or healthcare interests of employers and employees. For decades, the fully insured market has been dominated by large insurance companies that dictate pricing, restrict provider access, and prioritize their profit margins over cost efficiency. This model is fundamentally misaligned with employer and employee needs, leading to rising costs, limited flexibility, and a lack of innovation in plan design.
Employers are responding by rejecting traditional health plans in favor of market-driven solutions that offer greater flexibility, cost savings, and financial control. The growing adoption of alternative funding insurance models reflects a broader shift away from traditional group health plans and toward customized, employer-driven strategies.
ClearPoint Health is a leader in this transformation, offering solutions that:
- Allow businesses to pool risk in a captive model, gaining purchasing power while maintaining control over plan design.
- Leverage data-driven risk management to align healthcare spending with long-term business objectives.
Regulatory and Political Trends Favor Private-Sector Efficiency Over Traditional Insurance Models
The current regulatory and political landscape is shifting to support private-sector innovation in healthcare financing. Policymakers are increasingly focused on reducing the role of intermediaries, increasing transparency, and promoting employer-driven health solutions.
ClearPoint Health is fully aligned with this shift. By minimizing the role of traditional insurance models, CPH helps employers:
- Cut administrative waste and redirect spending toward actual healthcare services.
- Engage in direct cost management strategies that bypass excessive middlemen fees.
- Implement value-based healthcare purchasing, ensuring that every dollar spent contributes to better outcomes.
Future-Proof Your Healthcare Strategy with ClearPoint Health
The current health insurance model is unsustainable, but employers don’t have to accept rising costs as inevitable. ClearPoint Health provides a market-driven alternative, offering transparent, cost-effective, and employer-controlled healthcare financing solutions that put employers back in charge.
If your organization is ready to transition from a passive insurance buyer to a proactive risk manager, now is the time to explore how ClearPoint Health’s private-sector solutions can transform your approach to healthcare financing. Contact us today to take control of your healthcare costs and secure a sustainable future.
By: Jeb Dunkelberger, CEO and Emily Turek, Strategic Initiatives & External Affairs Lead
