Save Money. Stay Compliant. Take Care of Your Team.
If you offer health insurance to your employees, you’re not just providing a benefit – you’re taking on a legal responsibility.
Thanks to the Consolidated Appropriations Act of 2021 (CAA), employers are now held to strict fiduciary standards when managing employee health plans. You are required by law to eliminate hidden fees, ensure fair pricing, and act in the best interest of your employees – just like you would when managing a 401(k).
Most business owners have never been told this.
And now, lawsuits are setting a new standard.
Major companies like Johnson & Johnson and Aldi have already faced lawsuits for breaching these fiduciary responsibilities with employer healthcare plans – by overpaying for medications or allowing third-party administrators to profit unfairly at the expense of employees. Courts are making it clear: employers can and will be held liable when health plan oversight fails.
Our Employer Healthcare Plans Help You Avoid That Trap
At Love Health, we’ve joined forces with Verity Advisory to offer a powerful solution:
Expert healthcare consulting for small and mid-sized businesses that want to reduce costs, improve care, and stay legally protected.
Together, we help you:
✅ Audit your current plan for compliance risks and inefficiencies
✅ Implement modern, transparent health plan alternatives
✅ Offer concierge-level care to your employees and their families
✅ Eliminate restrictive insurance networks and inflated third-party contracts
✅ Put healthcare decisions back in your hands – and your employees’
The Savings Speak for Themselves
| Type of Procedure | Actual Billed Cost | Self-Pay Cost | % Savings | Dollars Saved |
| Colonoscopy | $4,500 | $1,200 | 73% | $3,300 |
| Gallbladder Removal | $17,000 | $6,200 | 64% | $10,800 |
| Knee Arthroscopy | $16,000 | $5,800 | 64% | $10,200 |
| MRI – Lumbar Spine | $3,500 | $450 | 87% | $3,050 |
| Hernia Repair | $12,000 | $4,500 | 63% | $7,500 |
| Tonsillectomy | $9,000 | $3,200 | 64% | $5,800 |
| Hip Replacement | $40,000 | $19,500 | 51% | $20,500 |
| Knee Replacement | $50,000 | $22,500 | 55% | $27,500 |
These are real-world comparisons showing just how inflated insurance-based pricing can be – and why it’s critical for businesses to explore self-pay and direct contracting models when considering the best employer healthcare plan. With the right plan structure, you can deliver better care for employees while dramatically reducing your healthcare spend.
Smart Options for Companies Under 50 Employees
Not ready to go fully self-funded yet? That’s okay.
We have high-impact group healthcare plan options designed for businesses with fewer than 50 employees – companies that want real savings and better care, without making a massive leap.
These plans:
💰 Save 25–40% annually on health benefits
👩 Provide concierge-style direct primary care to every employee
👨👩👧 Often cover family members at no additional network cost
🚫 Eliminate group health insurance networks, giving your team true freedom and price clarity
This is healthcare that actually works – for your business and your people.
Learn More About Our Employer Healthcare Plans: Start with a Free Strategy Call
There’s no cost and no pressure. We’ll review your current employer health insurance plan, help you understand your fiduciary risk, and show you how much better group healthcare plans can be.
📞 Schedule a call with Thomas at Verity Advisory today – Or learn more at www.VerityAdvisory.com
