Your health plan should save you money — not cost you talent.
CGS Health gives employers a better alternative to traditional carriers. Custom self-funded plans that cut costs 15–25% while giving your employees coverage they can count on.
Two ways to think about a renewal. One of them works.
Traditional health plans punish you for being healthy.
Every year, the same cycle: double-digit renewal increases, opaque billing, coverage decisions made by carriers with no incentive to control costs. You absorb the increases or pass them to employees. Neither option is sustainable.
Self-funding pays for the care your people actually use.
No carrier markup. No hidden admin fees. Full transparency into where every dollar goes. With the right TPA managing your plan, you get the support and protection you need — without the carrier overhead.
A complete plan, administered end-to-end.
From plan design through claims, pharmacy, and member support — one team, one platform, one point of accountability.
Where the savings actually come from.
You pay the full premium whether your team uses it or not. Surplus stays with the carrier.
Illustrative ranges.
In their words.
We spent years watching renewals climb with no explanation. Moving to a self-funded plan with CGS gave us that visibility back — we cut spend meaningfully in year one, and for the first time our people actually understood their coverage.
What sold our team was the service. We reach a real person who knows our account, plan changes don't turn into a three-week ordeal, and our employees get help instead of a runaround. It's made benefits one less thing I worry about.
See how much your company could save.
Request a no-obligation plan analysis. We'll show you exactly where the savings are — with the methodology, not just the number.