Case Study
How one nonprofit saved $1.5M and improved financial stewardship with ParetoHealth
$1.5M
in overall savings
"Our rates could've been so much higher in the last few years because of rising market costs. Instead, we’ve been able to keep things manageable and be good stewards."
Human Resources Manager, Fellowship Bible Church
Based inRogers, AR
SectorNonprofit
Number of employees286
Joined ParetoHealth2019
Plan typeFully insured
Savings engine partner solutionsCancer
Care navigation
Surgery & imaging
Care navigation
Surgery & imaging
Overview
Fellowship Bible Church, located in Rogers, Arkansas, is a large, multi-campus nonprofit focused on serving its community through spiritual formation, outreach, and care. With a committed team of employees and a strong benefits philosophy, investing in its people is part of Fellowship’s mission.
But year after year, their fully insured health plan kept draining their budget, despite having a healthy population and a disciplined approach to cost management. They were paying more than what made sense for the risk they represented, and knew it was time to find a better, long-term strategy.
In 2019, Fellowship joined the ParetoHealth community, gaining access to the scale, transparency, and cost-control tools they couldn’t get on their own. Since then, they’ve saved over $1.5 million, protected their plan from catastrophic claims, and used Pareto’s Savings Engine to redirect high-cost procedures without sacrificing care.
Challenge
Budget strained by rising premiums
Fellowship was doing everything right, offering comprehensive benefits while carefully managing costs. But their traditional fully insured health plan wasn’t working for them.
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Premiums kept rising despite a healthy population. Costs were eroding financial stewardship with no improvement in care or outcomes.
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Nonprofits need predictability in annual spend, but without claims visibility, leadership couldn’t act on cost drivers or understand rising rates.
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Traditional self-funded insurance felt risky. One large claim could derail the entire budget, making traditional self-funding feel like too much exposure with too little protection.
Solution
A proven strategy with ParetoHealth
Fellowship moved from a fully insured plan to self-funding with a captive, joining the ParetoHealth community in 2019.
What is an employee benefits captive?
An employee benefits captive is an employer-owned insurance company formed by multiple employers to collectively self-fund their employee health benefits. By pooling their risk, members reduce cost volatility and lower fixed costs.
What makes ParetoHealth different?
ParetoHealth consistently outperforms traditional insurance, empowering small and midsize employers with a long-term solution to eliminate volatility and lower overall healthcare spend.
With more than 3,500 employers and 1.2 million covered lives, ParetoHealth is the largest and fastest-growing community of its kind and three times larger than any competitor. The scale of ParetoHealth’s community gives small and midsize employers access to protections, pricing, and programs they can’t access on their own.
ParetoHealth’s Risk Shield offers the strongest stop-loss protections in the market, including guaranteed no new lasers and caps stop-loss increases, making costs predictable year over year and protecting employers from large-claim volatility.
The ParetoHealth Savings Engine addresses the root causes of high-cost claims. Backed by data, analytics, and in-house clinical experts, it delivers curated programs and multi-year strategies that lower costs over time.
Thousands of midsize employers have already left traditional insurance behind to join the ParetoHealth community and the movement is only growing.
How ParetoHealth helped this nonprofit
Fellowship left behind the reactive cycle of fully insured renewals and moved to self-funding with ParetoHealth, gaining the scale, protection, and transparency they needed to make strategic decisions.
Through ParetoHealth’s Risk Shield, they eliminated the fear of catastrophic claim disruption and capped renewal volatility. With claims data finally in hand, leadership could pinpoint opportunities for savings and better care.
Using ParetoHealth’s Savings Engine surgery and imaging solution, they redirected dozens of high-cost procedures to lower-cost, high-quality providers.
- $1.5 million in total savings since joining Pareto in 2019.
- Saved $190,000 across 57 surgical procedures that were redirected through ParetoHealth’s Savings Engine surgery and imaging solution.
- Predictable costs, even with ongoing high-cost cancer cases that hit the stop-loss every year, thanks to ParetoHealth’s industry-leading protections.
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Ready to join the right side of the fight? Let’s talk.