HEALTH BENEFITS, REBUILT

Better care.
Lower cost.
A clearer path forward.

Clear Path gives growing employers a smarter alternative to traditional health insurance—with transparent costs, better benefits, and a plan built around their people.

Built for employers with 5–250 employeesLevel-funded or self-funded
$0Deductible and copay options
100%Level-funded surplus returned
2Flexible funding paths
1Team accountable to your plan

WHY CLEAR PATH

Stop accepting the same plan—with a bigger price tag.

Most employers are offered the same limited choices every year: renew, raise employee costs, or reduce benefits. Clear Path creates another option.

We coordinate the right funding, administration, pharmacy, protection, and care strategies into one plan designed to produce better value.

Why employers choose Clear Path

CHOOSE YOUR PATH

Flexible funding.
Same commitment to value.

Start where your organization is comfortable today—and build toward greater control over time.

01

LEVEL-FUNDED

Predictability with upside.

A fixed monthly payment with protection from large claims—and 100% of available surplus returned to the employer when claims perform better than expected.

  • Predictable monthly cost
  • Stop-loss protection included
  • 100% surplus return
02

SELF-FUNDED

Maximum control and transparency.

Employers fund actual claims, choose independent partners, and gain the data and flexibility to actively manage healthcare spending.

  • Own your plan data
  • Keep unused claims dollars
  • Design around your workforce

THE CLEAR PATH SYSTEM

Every part of the plan working in the same direction.

01

Smarter administration

Flexible plan management without the restrictions of a traditional bundled carrier.

02

Transparent pharmacy

Clear contract terms, stronger purchasing, and a focus on the lowest net cost.

03

Care navigation

Real support helps members reach high-quality care at a fair price.

04

Financial protection

Stop-loss coverage defines maximum risk and protects against catastrophic claims.

05

Better benefits

Plan savings can be redirected into benefits employees can actually use.

06

Year-round strategy

Continuous measurement replaces the annual last-minute renewal scramble.

BUILT FOR EVERY STAKEHOLDER

A plan that works better for everyone.

A CLEARER COMPARISON

Traditional insurance versus a Clear Path.

Traditional approachClear Path approach
Accept the annual increaseActively manage the cost drivers
Bundled, limited informationTransparent plan components and data
Carrier controls plan flexibilityPlan designed around the employer
Employer absorbs bad years only100% level-funded surplus returned
Higher barriers to care$0 deductible and copay options

GET A QUOTE

Get a quote for your company.

Tell us a few basics and our team will follow up to learn about your renewal, answer questions, and outline the right next step.

Prefer email? info@clearpathhealthplan.com