Facing a 20%, 30% or More Renewal?

Here’s How We Helped One Employer Beat It.

When a national carrier hit a mid-sized employer with a 39% rate hike, the broker didn’t settle — they partnered with XO Health to build something better.

The Problem ⎯

A mid-sized employer was faced with a 39% premium increase from their national, fully-insured carrier. This would have pushed their annual healthcare spend to nearly $3.8 million, with no transparency into the drivers behind the cost.

The XO Health Solution ⎯

  • Tiered High-Performance Network → ~6% projected savings 
  • Guaranteed-Price Care Packages. → predictable costs for big-ticket claims
  • Enhanced Plan Design. → richer benefits to steer members to top providers
  • Stop-Loss Validated → $75K spec deductible and full transparency

The Results ⎯

  • ~3% Net Claims Savings – No Hike and 3% less than current premium 
  • 5.8% Lower PEPM (Family Tier)
  • Zero surprises. Real strategy. 

Get the Case Study