Custom-built. ERISA-governed. Cost-conscious.
The level-funded plan built around you.
SmartHealth is a truly customizable, ERISA-governed level-funded health plan paired with concierge-driven care coordination, direct pricing strategies, and transparent data—helping employers lower costs while delivering better benefits and a better member experience.
Employers can often reduce healthcare costs by 30–60% while gaining more plan control, clearer data, and a better experience for employees.
What does level-funded mean?
A smarter funding model
A level-funded plan gives employers the predictability of fixed monthly payments while still unlocking the transparency and cost advantages of a self-funded plan.
Those monthly payments typically cover expected claims, administration, and stop-loss protection—so you gain more control, more flexibility, and less renewal shock than with traditional fully insured plans.
Big time benefits
30–60% Savings Potential
SmartHealth is built to remove carrier waste, reduce unnecessary markups, and help many employers lower healthcare costs by 30–60% without compromising quality care.
Truly Custom Plan Design
Your plan can be shaped around your workforce—not carrier templates—giving you the freedom to build smarter benefits, tailor coverage, and design a plan that fits your goals.
ERISA-Compliant Structure
Because SmartHealth is ERISA-governed, employers gain greater consistency, flexibility, and administrative control across plan design and management than with many traditional state-regulated arrangements.
Transparent Data & Analytics
Access real-time visibility into costs, claims activity, and utilization trends so your team can understand what is driving spend and make better benefits decisions over time.
Risk Protection Built In
Level-funding pairs self-funded flexibility with stop-loss protection, helping cap risk and create a more predictable cost structure for mid-market and growing employers.
Concierge-Enhanced Benefits
Members gain access to dedicated case managers who help explain benefits, coordinate appointments, resolve billing issues, and guide them to high-value care with less friction.
Let’s Build a Better Health Plan
Start with a quick strategy call. We’ll review your current setup, explain how SmartHealth works, and show how a custom level-funded plan can reduce costs and improve benefits.
SmartHealth Questions
Frequently Asked Questions
SmartHealth is a custom level-funded health plan with an ERISA-governed structure, built to give employers more control, lower costs, stronger data visibility, and a better overall care experience for members.
Level-funded means you make predictable monthly payments that typically cover expected claims, administration, and stop-loss protection. It offers more stability than traditional self-funding, while still giving you the transparency and savings potential of a self-funded plan.
Traditional plans are usually built around carrier constraints and limited visibility. SmartHealth is built around your company, with more customization, more transparent reporting, and a structure designed to reduce waste and improve long-term cost control.
Yes. SmartHealth uses an ERISA-governed employer health plan structure, which provides a federal framework for plan administration and gives employers greater consistency and flexibility in how benefits are designed and managed.
Beyond the plan itself, SmartHealth can include concierge support that helps members understand benefits, find providers, schedule care, manage records, and resolve billing issues—making the plan easier to use and more valuable to employees.