At Empower, we believe in pricing models that put your clients first. That’s why we’ve chosen a simple, flat-rate pricing structure for our Spousal Incentive HRA, in contrast to the percentage-of-savings model adopted by some other vendors.
Flat Pricing = Clear Value
The percentage-of-savings model can seem attractive at first glance—after all, if an employer saves money by moving spouses off the plan, paying a percentage of those savings feels performance-based. But in practice, it’s problematic for two key reasons:
-
You Can’t Actually Measure the Savings Accurately
To calculate “savings,” you’d need access to the protected health information (PHI) of the spouse’s claims under their employer’s plan—data that’s usually inaccessible. So what happens instead? Vendors estimate. And estimates can be generous, leading to inflated fees based on theoretical savings that may not even exist. -
Clients End Up Paying More for the Same Service
Percentage-of-savings pricing often results in clients paying far more than they would under a flat-rate model—for identical administrative work. It creates a dynamic where vendors benefit more from higher estimates, not better service.
Our Approach: Fair, Transparent, Client-Centered
Empower charges the same for Spousal HRAs as we do for other HRAs because, frankly, the work involved is the same. We don’t believe your clients should pay more simply because the math looks fuzzier. Our flat pricing gives brokers and employers clarity, predictability, and fairness—without sacrificing quality.
Better for Brokers, Better for Employers
We also believe this model is better for brokers. When you recommend Empower, you’re offering a solution that’s cost-effective and transparent. Your clients won’t be surprised by inflated fees or fuzzy math. And you’re reinforcing your value as a trusted advisor who brings solutions that are aligned with your clients’ best interests—not just another upsell.
Want to Learn More?
Contact us today to see how our Spousal Incentive HRA works—and why it’s the best-kept secret in health plan savings.
