The annual renewal shock
Every year the same letter arrives: premiums up 15% to 25% with no change in coverage. You absorb it, shift cost to employees, or strip benefits. All three quietly drain the business.
in partnership with
For employers with 10–500 employees
Cut health costs up to 40%.$0 deductibles for your team.
Forge Life Global and Bridge Solutions replace the carrier renewal treadmill with a plan that costs your business less and gives your people more.
Get Your Free Health Cost AnalysisTakes 60 seconds. Analysis returned within one business day.
- Up to 40%
- Reduction in total plan spend
- $0
- Deductibles and copays on primary & urgent care
Savings vary by group size, claims history, and plan design.
The mid-market squeeze
You're not overpaying by accident. The system is built that way.
The zero-benefit trap
A $6,000 deductible plan is insurance your team can't afford to use. Employees skip care, delay diagnoses, and carry financial stress into every workday, while you still pay full premium.
Broker apathy, carrier templates
Most brokers re-shop the same rigid legacy carrier templates and call it strategy. Nobody is auditing your claims data, your pricing, or the money leaking out of the plan.
The Bridge Solutions model
An alternative health plan built for employers, not carriers.
Bridge Solutions rebuilds the plan from the pricing up: transparent claims, fair-market rates, and first-dollar coverage on the care your people actually use.
$0 copays and deductibles
Primary care, urgent care, and preventive visits cost your employees nothing at the point of service. Care actually gets used.
Direct fair-market pricing
Claims are priced against real cost benchmarks instead of opaque carrier discounts off inflated billed charges.
Open-access networks
No narrow-network games. Employees keep their doctors and hospitals without referral gatekeeping.
Concierge claims support
A real advocate handles balance bills, provider questions, and appeals so your HR team stops playing insurance help desk.
Smart-pricing plan design
Self-funded and level-funded structures give you claims transparency and return unused funds instead of donating them to a carrier.
Better benefits, lower spend
Richer coverage for your workforce and up to 40% off total plan cost. The two are not in conflict when the pricing model changes.
Savings calculator
What is the renewal treadmill costing your business?
Two numbers. Thirty seconds. See the capital trapped inside your current health plan.
75
101,000
The 2024 national average is roughly $650–$750 per employee per month.
Your estimated numbers
- Current annual health spend
- $585,000
- Estimated annual savings with Bridge Solutions
- $117,000 – $234,000
- Based on the 20–40% reduction qualifying mid-market employers typically see.
Estimate only — actual savings depend on your group's claims history and plan design.
Why Forge Life Global
Wealth isn't built on revenue. It's built on what stops leaking.
Forge Life Global exists to help owners and executives build durable financial freedom. For most mid-market businesses, the single largest controllable line item after payroll is health benefits, and it is the one nobody audits.
Every dollar recovered from an overpriced plan is a dollar redirected to growth capital, retention, retirement funding, and the long-term security of the people who built the company. That's why we advocate for the Bridge Solutions model: it removes operational friction and turns a fixed cost into a strategic asset.
Recover trapped capital
Plan savings show up as free cash flow within the first plan year, not a projection.
Redirect toward growth
Reinvest recovered spend into hiring, equipment, debt paydown, or owner wealth strategies.
Protect the workforce
Stronger benefits reduce turnover and the financial stress that quietly degrades productivity.
Free health cost analysis
See exactly what your current plan is costing you.
Share a few details and a Bridge Solutions strategist will model your savings against a $0-deductible alternative plan. No cost, no obligation.