Traditional fully insured
Simple to place, but bundled pricing, limited visibility, and the same renewal conversation year after year.
BROKER POSITIONING
A stronger alternative to the same carrier cycle.
Clear Path helps brokers bring growing employers a plan that is easier to understand than a fragmented self-funded arrangement—and more transparent and flexible than traditional fully insured coverage.
A PRACTICAL MIDDLE PATH
You shouldn’t have to choose between easy and smart.
Fully insured plans may be familiar, but they often leave employers with annual increases, limited information, and few levers to pull.
Traditional self-funding can provide control, but a collection of disconnected vendors can create extra work. Clear Path brings the pieces together into one coordinated strategy.
Coordinated and transparent
Level-funded or self-funded options with clear economics, defined protection, better benefits, and one accountable team.
Fragmented self-funding
More control, but often too many vendors, separate responsibilities, and a harder story for smaller employers.
EASY TO PRESENT
A plan strategy you can stand behind.
Give clients a differentiated alternative without introducing unnecessary operational sprawl.
- Clear level-funded and self-funded choices
- 100% of available level-funded surplus returned
- $0 deductible and copay possibilities
- Transparent plan components and reporting
- Implementation and ongoing support
WHY BROKERS PARTNER
Different enough to win.
Practical enough to place.
A stronger market story
Lead with a strategy that goes beyond shopping the same carrier spreadsheet.
Broker-first support
Get help with positioning, quoting, implementation, and the client conversation.
Better account defense
Create a renewal narrative based on transparency, benefits, and year-round action.
A simpler employer experience
Coordinate the plan components so the client has a clear path and an accountable team.
FROM OPPORTUNITY TO LAUNCH
A straightforward process for you and your client.
01
INTRODUCEShare the opportunity
Send the census, current plan details, and renewal timing.
02
EVALUATEBuild the right path
We assess fit and model a level-funded or self-funded approach.
03
PRESENTTell a clear story
We support the strategy, numbers, and employer conversation.
04
IMPLEMENTStay supported
Our team coordinates launch and remains engaged throughout the year.
OPTION 01
Use Clear Path as a standalone solution
Bring the strategy to an account while remaining the client’s broker and trusted advisor.
OPTION 02
Partner with our team
Collaborate on positioning, quoting, implementation, and ongoing plan support.
OPTION 03
Explore a co-broker arrangement
Create a structure that aligns roles and compensation around winning and retaining the client.
START THE CONVERSATION
Bring your clients a clearer way forward.
Have a group with 5–250 employees? Send us the basics and let’s determine whether Clear Path fits the opportunity.