For most small and mid-size employers, healthcare is the benefit that costs the most, delivers the least, and gets worse every year. Bag Carriers introduces you to the right DPC partner for your geography, workforce, and budget, brings in a trusted licensed broker for the insurance side, and stays in the relationship as your advocate.
Most employers renew every year and absorb whatever the carrier hands them. Two camps emerge, and neither of them is getting what they're paying for.
The average employer healthcare cost has climbed more than 50% in the past decade, with 10%+ annual renewals becoming the norm. Most small and mid-size businesses have no leverage, no transparency, and no real alternative. They absorb the hike, shift more cost onto employees, or drop coverage entirely.
To afford premiums, most employers have moved to high-deductible plans. Employees delay or avoid care because a doctor visit costs hundreds before the deductible is met. Small problems become expensive problems. Preventable claims become catastrophic ones.
Traditional insurance puts a carrier between your employees and their care. You have no visibility into where costs come from, no ability to design a plan that fits your workforce, and no advocate making sure employees actually get the care they need.
Commercial group plans are built for average risk pools, not your specific team, industry, or geography. You pay for coverage employees rarely use and miss coverage they desperately need. Every year the plan gets worse as the insurer adjusts for its own profit margin.
No single product fixes healthcare. Bag Carriers introduces you to the right DPC partner, brings in a trusted licensed broker for the insurance side, and frames a self-insured option for qualifying employers. Three pillars, one point of contact, one advocate.
Unlimited access, no copays, flat monthly membership.
Hospitalization, surgery, catastrophic events. Designed to complement DPC.
Maximum control, maximum savings, DPC-powered. For employers with 10+ employees.
Each pillar stands on its own. Stacked together, they form a complete healthcare strategy designed around what your business actually needs, not what the carrier wants to sell you.
These are three distinct offerings, not a bundled package. Each one on its own is a meaningful improvement over the status quo. Bag Carriers helps you identify which one, or which combination, is right for your business right now.
Traditional primary care charges per appointment, rewarding volume over outcomes. DPC replaces that with a flat membership, unlimited access, no copays, and a physician who actually has time for your employees. It attacks the reason people delay care until it's expensive.
Commercial group insurance forces every employer into the same risk pool, the same plan design, and the same annual renewal cycle. A custom wraparound plan, built around your team and your actual exposure, gives you coverage that fits.
In a traditional fully-insured plan, every unused premium stays with the carrier. Self-insurance flips it. You pay actual claims and keep what you don't spend. The carrier no longer profits from your healthy workforce.
DPC physicians carry dramatically smaller panels than the industry standard of 2,500+ per traditional doctor. That means same-day appointments, direct text access, and the kind of relationship most employees have never had with a doctor.
For self-insured employers, DPC physicians can visit the worksite on a regular cadence to manage chronic conditions, run wellness checks, and catch issues before they become claims. It pulls primary care directly to your team.
Brokers vanish after the sale. Frank doesn't. When renewals come up, when employees have questions, when something isn't working, you call Frank. He coordinates between the DPC side and the insurance side so you never manage two relationships alone.
When primary care is handled outside the claims system, the events that hit the pool are fewer and less severe. Here is what an independent actuarial study found for DPC-enrolled employees versus their non-enrolled peers.
Source: 2020 Milliman Study for Society of Actuaries, "Direct Primary Care: Evaluating a New Model of Delivery and Financing."
A growing number of employers have discovered that the traditional fully-insured group plan isn't the only option, and for many businesses, it's no longer the best one. The self-insured model flips the equation. Instead of paying fixed premiums to a carrier regardless of what you spend, you pay actual claims and keep what you don't.
When DPC is built into the foundation of a self-insured plan, the results compound. Employees access primary care freely, which means fewer expensive claims downstream. ER visits decline. Inpatient admissions fall. The claims pool gets smaller and less volatile, and the employer benefits directly.
Bag Carriers works with a network of innovative self-insured plan partners. Depending on your location, size, industry, and workforce, Frank identifies the right structure and the right partner for your situation.
Source: 2020 Milliman Study for Society of Actuaries. Results vary by employer size, industry, and workforce health profile.
Bag Carriers Healthcare fits employers who feel the pressure of every renewal and know there has to be a smarter way. If you see yourself below, this conversation is for you.
The employers most burdened by traditional insurance and least equipped to negotiate with carriers. DPC-based models were built for this size, transparent, flexible, and far more cost-effective than commercial group plans.
Contractors, HVAC, plumbing, electrical, and other trades where employees do physical work and healthcare access matters. DPC ensures small issues get addressed before they become lost time and expensive claims.
A DPC membership for each employee is a meaningful, affordable benefit that can be offered without the full cost of traditional group health insurance, giving smaller employers a way to compete for talent they couldn't attract before.
The time to build the right healthcare strategy is before your headcount grows and your current plan becomes untenable. Employers who establish a DPC-anchored model early scale benefits at a fraction of traditional costs.
Diabetes, hypertension, respiratory conditions. Chronic disease drives the majority of healthcare costs. DPC physicians manage these proactively, dramatically reducing the downstream claims that result from poorly managed chronic disease.
Unlimited primary care, mental health counseling, same-day appointments, and direct physician access is a benefits package that stands out. In competitive hiring markets, that differentiation is worth real money in reduced turnover.
This is the healthcare conversation most business owners never get to have. Here is how Frank works it.
Most employers renew their health plan every year without ever questioning whether there's a better way. Their broker presents two options, both expensive, and they pick the less bad one. Costs go up. They shift more to employees. The cycle repeats.
Frank connects the pieces and advocates for you throughout. He's not the broker. He's the person making sure the broker delivers.
That's the conversation Bag Carriers is here to have. It starts with a free 30-minute call where we look at your current situation and tell you honestly what we think the right path is.
Book a Free ConsultationWe were renewing at double-digit increases every year and just accepting it. Bag Carriers showed us a DPC-anchored model that cost less and gave our employees better access to care. We wish we'd done it three years earlier.
The DPC membership changed how my team thinks about going to the doctor. They actually go now. Same-day appointments, no copay, a doctor who answers their texts. Healthcare became a benefit they talk about instead of complain about.
I didn't know a self-insured model was even possible for a company our size. Frank walked us through the whole structure, introduced us to the right partners, and stayed involved through implementation. We saved meaningful money in year one.
Fill out the form and Frank will personally reach out to schedule a free 30-minute consultation. We'll review your current healthcare costs, explain the options, and give you an honest picture of what's possible for your business.
Frank Lechner and Bag Carriers are not licensed insurance brokers or healthcare providers. Frank connects employers with trusted, licensed Direct Primary Care partners and introduces qualifying employers to a licensed insurance brokerage partner. All insurance products are designed, sold, and managed by that licensed brokerage. Frank's role is as a connector and ongoing employer advocate.