For Employee Benefit Brokers & Consultants

Bring your clients a direct-contracting strategy without building the expertise in-house.

PassThruHealth is the program-management infrastructure behind your renewal story — health system contracts, national PPO access, actuarial modeling, and stop-loss architecture, deployed under your brokerage's relationship. You stay the advisor. We do the back-office work.

Request a Meeting See How You'd Deploy This
Broker-neutral. No minimum book size. Your client relationship is always yours.
Your position in the ecosystem
Self-Funded Employers $0 deductible tier holders Stop-Loss Wholesale No minimum book size Your Brokerage PassThruHealth Program manager, broker-agnostic
10–30%
Avg. plan savings you can offer clients
0
Minimum book size to access stop-loss wholesale
3
Steps to launch your first client program
The Renewal Conversation, Reframed

Give clients something other than a rebid.

Rebidding the carrier and shifting cost to employees gets harder to sell every year. This gives you a structural savings story instead — one your competitors can't easily replicate.

Traditional Broker Pitch
  • Rebid the carrier or shift cost to employees
  • Wellness programs and chronic disease point-in-time solutions
  • Stop-loss proposals with heavy markups from rented network rates
  • Frustration, fatigue, and annual vulnerability to competing brokers
The PassThruHealth Value
  • Direct contract with a leading regional health system
  • Unit and episode-of-care cost caps, locked and transparent
  • In-house stop-loss priced on real, direct-contracted rates
  • A defined, structural path to 10–30% plan savings
How You Deploy This With Clients

Three steps, with us doing the heavy lifting.

01
Identify target groups
Pinpoint self-funded clients — typically 100+ lives, with employees in a region where we have direct-contract coverage — who are fatigued by rising renewals and open to a different structure.
02
Sign a broker agreement
Work with PassThruHealth directly, or through our stop-loss wholesale partner. Either way, your client relationship stays entirely yours — we never compete for it.
03
Build the proposal together
We support RFP responses, financial modeling, and employer-facing presentations, timed to your client's next plan-year renewal. You bring the relationship — we bring the back office.
What This Unlocks For You

Expertise you don't have to hire for.

Your Client Relationship
Broker-agnostic, always
PassThruHealth is program-managed and broker-neutral. We never compete for your client relationship — any brokerage can work with us directly or through wholesale.
Your Expertise, Instantly
A full ecosystem, on demand
Actuarial modeling, health system contracts, national PPO integrations, and legal agreements — deployed instantly, without hiring an in-house team to build it.
Your Differentiation
A renewal story competitors can't match
Give clients a structural savings mechanism instead of another rebid or point-solution wellness program — a reason to stay with you, not just a reason to switch carriers.
Thought Leadership Partner

You don't need the expertise in-house. You need a partner who already has it.

Fear of catastrophic claims, solved
Fear of large claims is what keeps mid-market employers fully insured. Purpose-built stop-loss architecture makes self-funding safe and accessible for your clients.
Clinical weight behind your pitch
Lead with a direct contract at a leading regional health system. You're not just selling savings — you're upgrading your clients' clinical access.
Compounding, not resetting
Unlike an annual rebid, savings compound as direct-network utilization grows — a better story at every renewal, not just the first one.
Get Started

Ready to bring this to your first client?

A first meeting takes 30 minutes and covers how a direct-contracting program would work for your book of business, target groups, and upcoming renewal timelines.

Request a Meeting Download Program Overview