The PFA allows employers and employees to be shareholders in controlling their collective health care costs. This allows the group health plan the ability to create plan assets they otherwise would have forfeited to the insurance company.

The goal of the PFA is to allow employers the ability to do 3 things that rarely happen together in health insurance:

1. Maintain your current carrier
2. Maintain [even Increase] Benefits for Employees
3. Decrease Costs for both employee & employer

The PFA gives employers a uniqure opportunity to offer affordable, first-dollar, non-discriminatory healthcare to all employees.  But does the PFA actually work?

The below chart shows an example of how taking "trend increases" on a typical deductible plan for 4-years can create an unsustainable trajectory for health insurance costs. Electing the PFA route with our team can save in the short-term while creating a new outlook for the future of health insurance cost for the company and benefits for employees!

Like to learn more? Connect with us today to receive a PFA quote for your organization!