For brokers, TPAs & captive managers

Give clients the plan design their carrier will never bring them.

UnNetwork is the rails, not another vendor competing for a line item. It slots on top of an existing plan and gives you the ability to easily implement your vision — significant savings with a great member experience.

Fixes that ignore the misaligned incentives just increase cost and complexity.

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The renewal conversation hasn't changed in years

Your clients buckle under the medical cost trend.

Medical cost trend is projected at

9%

for 2027 — the worst in 17 years

Networks let providers charge 3–4x their cost; point solutions and bundled TPA fees hide the rest. Every renewal, you're negotiating around a number you didn't create and can't fully explain.
The CAA made plan-sponsor fiduciary duty explicit, and ERISA fee suits are accelerating — your clients are asking sharper questions about conflicts of interest, including yours. A cost-containment story built on commissions doesn't hold up to that question anymore.

What UnNetwork gives you

No friction, no strings, cash-pay plan design and operation

Hospitals maintain multiple price lists, and the cash-pay list is often the lowest — sometimes 25% or more below network rates. UnNetwork gives your clients' employees easy access to those cash prices.

Rapid deployment

You add it on top of your client's existing HDHP and TPA, and they get cost containment plus a better experience for their employees. Bring your own direct contracts and preferred vendors — we work with what's already there.

A free analysis you bring to any renewal

Send one de-identified claims file — aggregated is fine. We return a retrospective savings estimate for that specific book, priced against real cash rates and quality data, not a generic benchmark.

Conflict-free economics

Base PEPM plus a transaction fee charged only when the employer saves — no embedded commissions, no vendor kickbacks. It's a fiduciary story you can defend in writing, not just say out loud.

One claims file gets you the number for your next renewal.

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The economics

What the client pays. What that means for you.

Base fee Small PEPM
Performance fee Small transaction fee, only when the employer saves
Embedded commissions None
Effect on your existing comp Unchanged — we don't touch the underlying TPA, HDHP, or stop-loss arrangement

Because UnNetwork adds a layer instead of replacing one, it isn't competing with the arrangement you already have with this client — it's sitting on top of it.

One open question, deliberately not answered here: whether UnNetwork pays brokers a distribution override on top of the client's PEPM and transaction fee isn't specified in our current materials. Confirm the exact partner-compensation structure directly before quoting it to a client — that's the one number on this page you should not repeat from memory.

Get the Broker Kit.

Send a work email and we'll send the kit with conversation starters, the full talk track (the problem, how it works, and the ask, word for word), Q&A sheet (updated with new questions from the field), and examples of a retrospective claims analysis — free.

Two examples of conversation starters that are explained in the kit:

  • “Everything you have bought so far works after the claim. I want to show you the first thing that works before it.”
  • “Is your current broker taking advantage of the no-OOP opportunities in your market? I have a turnkey way to do it.”
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We'll be in touch.

Expect a note within one business day with the kit and a time to talk through your first client.