Control Employee Healthcare Benefit Cost!
Why would PPACA/MLR eliminate HDHP's, HSA's & HRA's?

Lifestyle and behavior drive 80% of healthcare costs. Our consulting processes identify and manage unhealthy behavior and lifestyle, incentivizing change, reducing healthcare needs and improve health. Brokers need to change from shopping and cost shifting, to identifying the root causes driving employer healthcare benefit cost. Brokers need our new group health insurance solutions that continue to offer employers HDHP with commissions. D. Scott Hettesheimer Owner
“No More "HealthCare Business as Usual.” Lead the Future of HealthCare Benefits!



