Employee health insurance is physicians' second-highest contributor to overhead, while the acceptance of insurance as a payment has become one of the top contributors to physician burnout. Coding, billing, collecting deductibles, copays, and prior authorizations are all complexities in the treatment of your patients introduced by those who profit from rather than provide care.

Because the industry purposely divides physicians into individuals, most don't realize that, on the low end, physicians employ 5.6 full-time employees (FTEs) per physician and 10 FTEs per physician for specialties such as orthopedics.

Uniting physicians in a financial holding company (FHC) creates a network of physicians across all specialties and geographies, allowing us to pool the large amount of capital that physicians currently spend on their own employee health plans into a captive, thereby creating a Physician-Led Health Insurance Plan (PLHIP). This puts physicians in control of the continuum of care for their own employees, significantly reducing their overhead while allowing them to monetize capital they are currently giving to others.

Because the PLHIP is comprised of a network of all physician specialties, we can start by self-insuring our own employees and then offer this option to businesses within your community, providing a better insurance product at a reduced cost. We do this by focusing on the small companies (<50 employees) and working up. Providing a better insurance product and addressing a significant issue for small businesses within your network's community.

Because of the unique structure, we do not have to stop at employee health insurance; once established, we can move into P&C or even MedMal, where it makes sense.

A true PLHIP puts physicians in charge of the continuum of care and allows for the monetization of the vast amounts of capital you currently give to others.

Learn more about the investment opportunity.