The Problem With Today's Healthcare

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The healthcare system is broken. Premiums rise year after year, outpacing wages and business growth. Employers are paying more for less coverage. Employees are frustrated by surprise bills, limited provider access, and confusing plan designs. Insurance carriers profit, while companies and their people bear the burden.

• Rising Costs: Annual double-digit increases drain company budgets.
   
• Limited Transparency: Employers don’t know where their dollars go.
   
• Misaligned Incentives: Carriers profit when costs go up, not when they come down.
   
• Employee Strain: Families face higher deductibles and out-of-pocket costs, making healthcare feel unaffordable.

There’s a better way. Partially self-funded health plans give employers the control, transparency, and flexibility that fully insured carriers will never offer.

Why self-funding works:

• Cost Control: Pay only for actual claims, not inflated premiums.
   
• Transparency: See exactly where your dollars are spent.
   
• Flexibility: Unbundle hidden costs and choose best-in-class partners for stop-loss, PBM, and TPA services.
   
• Employee-Centered: Design benefits that prioritize quality care at the right cost.
   
• Shared Savings: When your plan performs well, you keep the savings — not the carrier.

At NorthStar, we guide employers through every step of the self-funding journey. From evaluating readiness to implementing innovative plan designs, we help companies take back control of their healthcare spend while improving benefits for their people.

Our mission is simple: fix what’s broken by always doing what’s right.

It’s time to stop playing by the old rules. Let us show you how self-funded health plans can change the game for your company and your employees.