Self-funded & self-managed employer health plans

Cut the waste. Not the benefits.

Traditional brokers manage your renewal. We manage your plan.

Self-funded employers have been told 15–20% annual increases are just the cost of doing business. They're not. ASF Strategies combines plan construction, real-time analytics, and active intervention to bring Fortune 100–level cost management to plans with a few hundred employees — without shifting the cost onto your people.

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The renewal isn't the problem. What's driving it is.

A broker negotiates the number your carrier hands you. That's not the same as changing what's making the number go up in the first place.

The renewal-negotiation approach

  • Negotiates the increase after it's already happened
  • Shifts cost to employees through higher deductibles and contributions
  • Reviews claims once a year, after the plan year has closed
  • Applies the same playbook regardless of what's actually driving your trend

The ASF Strategies approach

  • Builds the plan to be efficient from the start
  • Manages waste, not benefits
  • Watches claims and cost trends in real time, while they're still avoidable
  • Brings the vendor relationships and strategies large employers already have

A platform built to actively manage plan performance

Five things working together, all year — not a once-a-year review.

Plan construction

We design self-funded plans around how your people actually use care, not a generic template built around the renewal cycle.

Real-time analytics

Proprietary analytics surface claims trends, waste, and emerging risk while the plan year is still open — not in a report six months after it mattered.

Active intervention

When an expensive situation is developing, we step in while it's happening — coordinating better sites of care, better vendors, and better pathways before the cost is locked in.

Fortune 100 access

The vendor relationships and purchasing leverage historically reserved for the largest employers, made accessible to plans with a few hundred employees.

Waste reduction, not benefit reduction

Savings come from better purchasing, better care pathways, and smarter management — not a higher deductible or a thinner plan.

What active management actually looks like

Not a hypothetical framework — a description of the kind of intervention that happens inside a managed plan.

Active intervention, in practice

An infusion, redirected before the cost is locked in

A claim shows a routine infusion scheduled at a hospital outpatient department — one of the most expensive places in the country to receive that exact treatment. Instead of finding out what it cost after the invoice arrives, the plan flags it while it's still on the calendar.

The team works with the prescribing physician to confirm a clinically appropriate alternative, then coordinates the same treatment at home or at a lower-cost infusion suite. The employee often gets a more convenient experience. The plan avoids a cost it never needed to take on.

That's the difference between negotiating a renewal and managing a plan.

The same platform. Built to help you personally perform.

A better-performing plan doesn't just help the organization — it helps the person responsible for it prove their value to the board, the CFO, or their own team.

Choose your role to see how ASF Strategies helps you specifically:

For the CEO

Healthcare is one of the largest controllable costs on your P&L — and one of the least controlled. ASF Strategies turns it from an annual budget headache into a strategic asset: a plan that helps you compete for talent, performs measurably better year over year, and gives you a real story to tell your board about cost discipline that didn't come at your employees' expense.

  • Turn healthcare spend into a competitive advantage
  • Give your board a defensible, data-backed cost narrative
  • Protect margin without touching benefits

For the CFO

You don't need another renewal negotiation — you need control. Real-time analytics show exactly where plan dollars are going, waste gets addressed while it's still avoidable, and trend becomes something you can forecast instead of brace for. Every intervention is measurable, so ROI is a report, not a promise.

  • Predictable trend instead of annual surprises
  • Claims and waste visibility in real time
  • Measurable ROI on every intervention

For HR

You're the one employees ask when the plan changes, and the one who has to explain it when costs go up anyway. ASF Strategies lets you offer a stronger plan — better care navigation, better vendors, real advocacy — while the active management happens behind the scenes, without adding another system to your plate.

  • Stronger benefits, not weaker ones
  • A better recruitment and retention story
  • No added administrative burden

For the Employee

Healthcare is confusing and expensive, and most plans leave you to figure it out alone. This one doesn't. When a more convenient, lower-cost option exists — like getting an infusion at home instead of a hospital — someone is looking out for that on your behalf, not just processing the claim after the fact.

  • Real advocacy when you need it
  • More convenient care options, not fewer
  • A plan that actually helps you navigate healthcare

A new category, not a new broker

Most of the market splits into two camps: brokers who negotiate your renewal, and consultants who analyze your data after the year is over. ASF Strategies is a plan construction specialist and a plan performance partner — one team building the plan and actively managing how it performs, all year, every year.

Better Care. Better Cost. Better Outcomes.

Let's build a plan that performs

Bring your renewal, your claims data, or just the sense that this shouldn't cost this much. We'll walk through what active management could change for your plan.