A smarter path to
employer health coverage
NewPath Mutual and Redirect Health deliver self-insured health plans that give employers real cost control — transparent claims, comprehensive benefits, and expert administration through Redirect Health.
Healthcare costs are outpacing
everything — wages, inflation, and corporate budgets
Traditional fully-insured plans have delivered average premium increases of 5–7% annually for a decade, consistently outpacing both wage growth and inflation.
Methodology: Chart shows cumulative indexed growth from a 2014 baseline (=100). Premium growth anchored at KFF-published data points: +22% (2014–2019), +24% (2019–2024), +52% total (2014–2024). Wage and CPI data consistent with BLS figures cited in KFF EHBS 2024 p.43. Intermediate years linearly interpolated.
A simpler model. Better outcomes.
NewPath Mutual replaces the traditional insurer with a transparent self-funded structure — so you pay for care, not overhead.
Join NewPath Mutual
Your company joins as a member of an accredited association captive, gaining access to an ACA-compliant, ERISA-governed self-insured health plan — without building one from scratch.
Fund Claims Directly
You pay actual healthcare costs — not fixed insurance premiums padded with profit margins. Stop-loss insurance protects against catastrophic claims, capping your risk exposure.
Redirect Health Handles the Rest
Redirect Health's expert team manages all claims processing, member services, network access, and compliance — giving you full transparency into every healthcare dollar spent.
Powered by Redirect Health
Redirect Health is a licensed TPA, Medical, and Broker in all 50 states — managing thousands of employer health plans with a patent-pending QuickPay system and a 4.6-star Google rating.
Learn about Redirect HealthSelf-Insured vs. Traditional Plans
See how a NewPath Mutual self-insured plan stacks up against a traditional fully-insured plan across every dimension that matters to your business.
| Feature | Recommended NewPath MutualSelf-Insured Plan |
Traditional Fully-Insured Plan |
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How much could your company save?
Built on actual NewPath Mutual plan rates (effective 10/1/2025) vs. KFF 2024 national benchmarks. Results are illustrative — not a binding quote.