For Employer
Another group benefits renewal increase. It can be your last.
Canadian carriers raise premiums 8–24% every year. NuvioLife stays flat. 0% renewal increases, 48-hour claims, 87% employee utilization. Setup takes 15 minutes.
Why did my group benefits premium increase?
The letter rarely explains itself. Under a traditional insured plan, three mechanics push the number up — and only one of them is about your team.
Your group's claims experience
If your team claimed more last year, the carrier re-rates the whole group at renewal. One expensive year can shape your premium for several.
The trend factor
Carriers add an inflation assumption for rising healthcare costs on top of your actual claims — the premium climbs whether or not your team's usage moved.
Pooling and margin
Insured premiums are pooled, so your renewal also carries a share of other groups' claims, plus the carrier's administration and margin.
The result arrives 30 days before it takes effect: the same plan, priced 8–24% higher.
No renewals. No rate hikes. Not next year. Not ever.
Every year, traditional carriers send you a renewal letter with a number bigger than last year's. Then you renegotiate from a position of weakness. NuvioLife removes the negotiation entirely. Your plan runs on your terms, every year.
- ① You file claims this year
- ② Insurer sends a 30-day renewal letter
- ③ Premium goes up by 8 to 24%
- ④ Coverage doesn't actually improve
- ⑤ Repeat next year, forever
- ① You set the budget
- ② You fund what you allocate
- ③ Unspent stays with the company
- ④ No letter. No surprise. No renegotiation.
Wallets, not premiums.
NuvioLife replaces the insured premium with an employer-funded wallet stack. You set a budget per employee, your team claims against it, and you pay only on what gets used. The number doesn't change at renewal, because there is no renewal. See how a standalone HSA compares with insured plans like Blue Cross.
Works for teams from 2 employees, no upper limit.
Pricing is flat, per employee, and public — see plans and pricing.
The three things HR usually asks next.
See if it fits your team.
Pick a time. We’ll model your spend, walk through the dashboard, answer your questions, and end the call on time.