WellRithms

Ahead of the Trend

WellRithms Employee Health Plan in Action

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There is a national conversation about shifting healthcare dollars directly to individuals instead of insurers. At WellRithms, that is not a new idea. It is the foundation of how we support our people.

The National Conversation

November 20, 2025 — Washington, D.C.

Policymakers are exploring a new way to structure healthcare using HSA-style accounts. Rather than sending dollars through insurers and hoping the value reaches individuals, the More Affordable Care Act proposal aims to give people more control over their own healthcare spending, as a way to build on the Affordable Care Act (ACA).

The idea is simple: Put the dollars closer to the people who actually use the system.

That means directing funds into accounts that individuals can apply toward care or premiums, increasing transparency, and giving employees more say in how their benefits work. It’s a meaningful shift. And it mirrors something we’ve been doing internally for years.

The WellRithms Model

Our health plan has always been designed around a straightforward principle: invest directly in our people.

Here is what that looks like in practice:

  • Full coverage of employee medical premiums
    WellRithms pays 100 percent of the cost for employee-only medical coverage across both our HSA and PPO/HRA plans.
  • Real dollars in employee-directed accounts
    Employees receive up to $3,200 per year in HSA contributions or up to $3,000 in HRA reimbursements. These funds help reduce exposure and give employees financial control over their own care.
  • Choice between two strong plan designs
    Employees can choose between a high-value HSA plan or a PPO plan supported by HRA dollars. Both options are structured to reduce financial stress and keep care accessible.
  • A level-funded design that prioritizes efficiency and stability
    Our structure blends predictability with the ability to capture savings and reinvest them back into our people.
  • Nationwide access through the UHC network
    Employees and their families have access to one of the largest provider networks in the country.

This is not a reaction to policy discussions.
It is a model we built intentionally, long before the national conversation shifted.

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A Simple Comparison

What Congress Is Proposing

  • Dollars that flow to individuals instead of insurers
  • More control over personal healthcare spending
  • A shift in who holds the value
  • A call for transparency and flexibility

What WellRithms Already Does

  • Our premiums and contributions go straight to employees
  • Employees choose how and where to use HSA or HRA funds
  • Value has always flowed directly to our people
  • We designed our plan to be predictable, stable, and employee-centered

The overlap is clear.
The approach Congress is pushing toward is the one we have been living for years.

The Proof Behind The Model

Our approach is not theoretical. It delivers results.

  • Historical plan performance
  • Savings generated over time
  • Premium stability
  • Reduced financial exposure for employees
  • How our model has reinvested value back into our team

Why This Matters

 

Healthcare is personal. Stability and predictability matter. When employees know their coverage is strong and their financial risk is low, they can focus on their lives, their work, and their families.

By sending value directly to our people, we give them what the national conversation is trying to build: A clearer path to care, lower financial stress, and benefits built around real needs.

This has been our philosophy for years, and it will continue to guide how we invest in our team.

We believe in putting healthcare dollars where they belong. With our people.

Learn more about the benefits that shape life at WellRithms.

Explore Our Benefits

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