A better employee health-care strategy for your business. Here's how.
For business owners, executives, and HR leaders: a defined-contribution approach that pairs Health Access Preventive — an employer-funded Employee Assistance Program, not insurance — with ICHRA-supported individual coverage where it fits.
Health Access Solutions reports working with companies with employees in more than 30 states
See How the Solution Works
An educational overview for employers exploring employee health-care options for 2027 — how the defined-contribution approach works and who it fits.
You've thought, “there's got to be a better health care solution.” And you were right.
Today's broken health care system hurts both businesses and their employees. Health “benefits” are all too often unbeneficial for employees and their families.
- Costs are too high already — and getting higher.
- Premium increases are unpredictable year after year.
- Preventive care has become a luxury many can't afford.
- The actual value of benefits to the employee is low.
The number one cause of bankruptcy in the United States is health care costs — and the best way to protect your workforce isn't a one-size traditional group plan.
Build a better way for your company and your employees
Designed for employers and HR leaders
A defined-contribution structure built for business owners, executives, and HR teams evaluating what they spend on employee health care.
Care employees can actually use
Employees get access to high-quality health care services they can use during the year — not only coverage they hope they never need.
A foundational preventive program
Health Access Preventive is not insurance. It is an employer-funded Employee Assistance Program that provides a foundation of preventive and everyday health care services covering many of your employees' routine needs.
ICHRA flexibility where it fits
Employees or individual family members who need a traditional insurance plan may be able to access individual coverage through an Individual Coverage HRA (ICHRA), depending on eligibility and individual circumstances.
High-value, low-maintenance
The defined-contribution structure is designed to be high-value for employees and low-maintenance for the people administering it.
Companies in 30+ states
Health Access Solutions reports the program is working for companies across the country with employees in more than 30 states.
$5,700
Employee savings
A typical employee with a family may save up to $5,700, plus potential additional out-of-pocket savings.
16–22%
Business savings
A typical business may save up to 16–22% on employee health costs over time.
97%
Renewal rate
Health Access Solutions reports a 97% renewal rate, with a reported annual cost increase of less than 3%.
0%
Employer risk from high claims
The defined-contribution approach is described as eliminating employer risk from high claims.
Businesses love us
Health Access Solutions reports a defined-contribution structure that is high-value for employees and low-maintenance for employers. Testimonials below are as published by Health Access Solutions.
This is a great all-around employee health care program! Our employees are appreciating services like health club memberships that they never had before.
I would definitely recommend this health care program to any company. It is 10,000 times better than what we had before!
Our company has provided quality health care to our people for over 40 years. We made the switch to Health Access Solutions over two years ago, and it is the best program we have ever had.
A note from your broker
“Most business owners I speak with aren't looking for more options — they want clarity about what they spend on employee health care. A defined-contribution approach is one of the strategies I walk employers through, and I'll tell you plainly whether it fits.”
Keith Trautman · Co-Owner
Keith Trautman · NPN #19455684 · Licensed Insurance Broker · Multiplepay LLC · DBA Keith the Insurance Guy
How we help
A simple process to reduce costs and increase clarity.
- 1
Understand your business
We review headcount, your current plan, your renewal timeline, and what your employees actually use.
- 2
Model the defined contribution
A side-by-side look at your group plan versus a defined-contribution approach that combines Health Access Preventive with ICHRA-supported individual coverage where appropriate.
- 3
Roll out and support
Enrollment support, employee communication, and a licensed broker to call when questions come up later.
Questions employers ask
Is Health Access Preventive insurance?
No. Health Access Preventive is not insurance. It is an employer-funded Employee Assistance Program that provides foundational preventive and everyday health care services.
Does this replace our insurance?
It is not described as a complete replacement for insurance. The defined-contribution approach can combine Health Access Preventive with ICHRA-supported individual coverage when that is appropriate for your workforce.
What about employees who need a traditional plan?
Employees or individual family members who need traditional insurance may be able to access individual coverage through an Individual Coverage HRA (ICHRA). Availability, eligibility, cost, and enrollment timing vary by individual circumstances and location.
What kind of company is this built for?
Business owners, executives, and HR leaders who offer health benefits and are frustrated by unpredictable renewals. Health Access Solutions reports serving companies with employees in more than 30 states.
How much might we save?
A typical business may save up to 16–22% on employee health costs over time, and a typical employee with a family may save up to $5,700, plus potential out-of-pocket savings. These are typical reported figures, not guarantees.
What does the 15-minute call cover?
A short conversation about your current plan, your renewal timeline, and whether a defined-contribution employee health-care strategy is worth exploring for your business.
Curious how this solution will work for your business?
Schedule a 15-minute call with Keith Trautman to explore a better employee health-care strategy. If it isn't a fit for your business, he'll tell you.