Cost Stabilization Program · 3-Year Cost Stability
Locked rates for cost stability.
Stop reconciling. Start closing.
Built for groups with over 500 lives: a monthly remittance that doesn't move for three straight years, A-rated stop-loss underneath, and at the end of the 36-month term, all surplus funds will be reconciled and returned under the terms of the program.
See The Cost Stabilization Program in a 20-minute walkthrough — tailored to your book.
36 Mo.
Fixed monthly cost
500+ lives
Groups with over 500 lives
2–3 Days
Financial proposal TAT
Term-End
Surplus reconciled and returned
Before & After
A different way to run this workflow.
The annual renewal-shock cycle
- One-year contracts that reprice hard at every renewal.
- Weekly or bi-monthly funding calls the employer has to chase.
- Any claims-fund surplus quietly stays with the carrier.
- Every renewal is a re-underwrite and a re-negotiation.
The Cost Stabilization Program model
- Fixed monthly per-employee rates locked for the full 36 months.
- Funding is consolidated to a single monthly ACH fund pull into the HIT/Fides trust.
- All surplus funds are reconciled and returned per the program contract terms.
- Only approved TPA and PBMs can participate in the program.
How the Cost Stabilization Program Works
From bound proposal to end-of-term reconciliation.
Trusted Infrastructure
Enterprise-grade rails behind every proposal — encrypted PHI workflows, audited handoffs, and 99% documented uptime under public-market oversight.