Predictable Care Savings System | Valoram Solutions
◆ Predictable Care Savings System

Your Business Is Overpaying For
Group Health Insurance —
We Can Prove It In 15 Minutes

Our Predictable Care Savings Analysis identifies exactly how much small businesses with 5–50 employees are leaving on the table each year. On average, we find $30,000–$120,000 in recoverable annual spend for employers just like you.

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Why This Exists

Your Group Health Plan Isn’t Broken.
The System It’s Built On Is.

01

Fully-Insured Plans Are Designed to Cost More

Traditional carrier plans lock you into fixed premiums with zero visibility into your actual claims experience. You pay the same whether your employees are healthy or not — and renewals always go up.

02

Your Broker Has the Wrong Incentives

Captive brokers earn higher commissions keeping you on carrier plans. They don’t show you self-funded or level-funded alternatives because their comp depends on you not knowing they exist.

03

Renewal Season Is Too Late to Act

By the time you get your renewal notice, your options are limited. Real savings come from restructuring your plan 90–180 days out — before you’re locked in for another year at inflated rates.

Small businesses are paying group health insurance premiums priced for risk they don’t carry — and no one is telling them.

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What Changes

Stop Absorbing Annual Increases.
Start Controlling What You Pay.

Here’s what employers walk away with after going through the Predictable Care Savings System.

◈

Premium Transparency

Know exactly what’s driving your costs — claims data, utilization patterns, and carrier markup — so you negotiate from a position of knowledge, not ignorance.

◎

Predictable Monthly Spend

Stop dreading renewal season. Level-funded and self-funded structures give you a fixed monthly budget with real refund potential when your employees stay healthy.

⬡

Better Coverage for Less

Alternative plan structures consistently deliver broader networks, lower employee out-of-pocket costs, and reduced employer premiums — simultaneously.

◇

A Benefits Strategy, Not a Renewal

Move from reactive annual shopping to a proactive multi-year plan that reduces costs, retains employees, and gives you leverage every renewal cycle.

37% Average Premium Reduction

Employers switching from fully-insured to level-funded plans typically see 20–40% lower annual premiums.

$0 Cost for the Analysis

Our savings analysis is completely free. We show you the numbers before you make any decisions.

90 Days to Implementation

Most employers can restructure their plan and start saving within 60–90 days of our first conversation.

The Hidden Cost

Why Smart Business Owners Keep Overpaying

Most small business owners know their health insurance costs too much. But they don’t know that fully-insured plans — the default option offered by most brokers — are specifically structured so you cannot see your claims data or negotiate based on your own risk profile.

You’re pooled with thousands of other businesses, paying premiums priced for the group average. If your team is younger, healthier, or lower-risk than average, you subsidize everyone else. And your broker has no incentive to change that.

“The average small business overpays by 20–40% on group health annually. Not because of bad decisions — because they were never shown a better option.”
$8.4K Avg. Annual Employee Premium

The average employer contribution per employee on fully-insured group plans in 2024 — up 22% in 3 years.

76% Of SMBs on Fully-Insured Plans

Despite self-funded and level-funded options being available at smaller group sizes than ever before.

6.2% Avg. Annual Premium Increase

Compounding annually. Fully-insured employers have no mechanism to challenge this number.

Traditional vs. Valoram Approach

What Changes When You Work With Us

✕  Traditional Group Insurance

What Most Employers Are Doing

  • Fixed premiums that increase 6–10% at every renewal
  • No access to your own claims data
  • Captive broker with limited carrier options
  • No visibility into what’s driving your costs
  • Employees still face high deductibles and surprise bills
  • Locked in year after year with no negotiating leverage
vs
✓  Predictable Care Savings System

What’s Possible With the Right Structure

  • Level-funded or self-funded premiums 20–40% lower
  • Full claims transparency — you see exactly where dollars go
  • Independent advisor with access to the full market
  • Stop-loss protection caps your catastrophic exposure
  • Employees get broader access and lower out-of-pocket costs
  • Annual refunds when your group stays healthy

Alternative plan structures aren’t risky. They’re what large companies have used for decades — now available to businesses your size.

Who This Is For

Built for Business Owners
Who Are Done Absorbing Increases

💼

5–50 Employee Companies

Small enough that no one has offered you alternatives. Large enough that the savings are real and the restructuring is straightforward.

📈

Renewing in the Next 6–12 Months

The best time to restructure is before your next renewal cycle. If you have 90+ days, we can move you to a better structure before you sign another year of inflated rates.

🔑

Employers on Fully-Insured Plans

If you’re on a carrier plan and haven’t explored level-funded or self-funded alternatives, you are almost certainly overpaying relative to your actual risk profile.

👑

Decision-Makers Ready to Act

You’re the owner, CEO, or CFO. You can make benefits decisions without committee approval. You need data and a recommendation, not another broker pitch.

This is NOT for

Companies with fewer than 5 employees, employers seeking individual health plans, or anyone already on self-funded plans with an independent TPA.

The Process

Four Steps from Analysis
to Real Savings

Step 01

Complete the Savings Assessment

Answer 8 questions about your current plan, spend, and team size. Takes under 3 minutes. No personal data required at this stage.

Step 02

Receive Your Savings Score

Based on your answers, we calculate your estimated annual savings opportunity and identify which strategies apply to your situation.

Step 03

Book a Free Strategy Session

A Valoram specialist reviews your current plan structure, runs actual plan comparisons, and walks you through line-by-line where the savings come from.

Step 04

Implement Before Your Renewal

If the numbers work — and they usually do — we handle the full transition. New plan, new carrier relationship, same or better coverage for your team.

Start Here

Find Out What You’re
Actually Overpaying

Complete the 3-minute Predictable Care Savings Assessment. We’ll calculate your savings score and show you the specific opportunities in your current plan.

Your Free Healthcare Savings Analysis

Answer 8 questions. See your savings score instantly. No cost, no commitment.

  • Estimated annual savings opportunity for your company
  • Specific strategies that apply to your plan type and size
  • A clear next step to capture those savings before your next renewal
Common Questions

What Business Owners Ask
Before Getting Their Analysis

Ready to See What You’ve
Been Overpaying?

Take the 3-minute assessment. Get your savings score. Talk to a specialist who will show you the exact numbers — no pitch, no pressure.

Get My Free Savings Analysis

Analysis spots are limited — we review each submission personally

Valoram Solutions

Disclosure & Legal Notice This assessment is for informational and educational purposes only. Valoram Solutions is a licensed insurance marketing organization and is not a licensed attorney or certified financial planner. Savings estimates presented are illustrative ranges based on client experience and publicly available industry data — actual results vary significantly based on your group’s claims history, demographics, and plan structure. No guarantee of specific savings is expressed or implied. Always consult a qualified benefits advisor before making changes to your group health plan. © 2025 Valoram Solutions. CA License #6005873. All Rights Reserved.

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