Employee Benefits, Rebuilt

Stop letting healthcare costs run your business.

Direct Primary Care, custom wraparound coverage, and self-insured frameworks. Better benefits, lower cost, one through-line: Frank.

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.

Free 30-minute consultation with Frank, no obligation, no boilerplate quote
DPC covers 80-85% of needs Flat monthly membership Frank stays as your advocate
Why the System Is Broken

Traditional health insurance was built for carriers, not for you.

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.

Camp 1

"We Renew and Eat the Increase"

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.

Camp 2

"We Have a Plan Nobody Uses"

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.

Camp 3

"We Have No Relationship With Our Coverage"

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.

Camp 4

"One-Size-Fits-All That Fits Nobody"

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.

You don't need a better version of the same broken plan. You need a different model, built for your business, with someone in the room who works for you.
The Bag Carriers Solution

A complete strategy, built around three pillars.

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.

Pillar One, The Foundation

Direct Primary Care

Unlimited access, no copays, flat monthly membership.

  • Unlimited primary care visits, no per-visit fees
  • Same-day and next-day appointments
  • Direct text and phone access to your provider
  • Preventive care, screenings, wellness exams
  • Chronic condition management
  • Labs and diagnostics often included or deeply discounted
  • Generic medications often at wholesale
  • Covers roughly 80-85% of routine primary care needs
Bag Carriers introduces you to the right DPC partner for your geography, workforce, and budget.
Pillar Two, The Safety Net

Custom Wraparound Coverage

Hospitalization, surgery, catastrophic events. Designed to complement DPC.

  • Hospitalization and inpatient care
  • Surgical procedures and outpatient surgery
  • Emergency room coverage
  • Specialist referrals and care coordination
  • Cancer treatment and major medical events
  • Designed specifically to complement DPC
  • Custom plan built around your team and budget
  • Frank present as your advocate throughout
Frank is not a licensed broker. He introduces you to a trusted partner he has worked alongside on dozens of groups.
Pillar Three, For Qualifying Employers

Self-Insured Health Plan

Maximum control, maximum savings, DPC-powered. For employers with 10+ employees.

  • Employer pays actual claims, not fixed premiums
  • DPC membership included, eliminates routine claims
  • Stop-loss insurance caps catastrophic exposure
  • Full transparency into where dollars go
  • Unused premiums stay with you, not the carrier
  • Plan design tailored to your workforce
  • DPC physician visits worksite to manage health
  • Designed for employers with 10+ employees
Bag Carriers matches you with the right self-insured partner for your size, location, and situation.

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.

Three Ways to Fight Back

Each pillar challenges a different part of the broken system.

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.

DPC fixes access. Wraparound fixes fit. Self-insurance fixes who keeps the money.
🩺

DPC Challenges the Fee-Per-Visit Model

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.

● Pillar One
🛡️

Wraparound Challenges the One-Size Plan

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.

Pillar Two
💰

Self-Insurance Challenges Who Keeps the Money

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.

Pillar Three
📅

Same-Day Access for Your Team

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.

Built In
🏥

Worksite Visits, Where It Makes Sense

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.

Self-Insured
🤝

Frank Stays as Your Advocate

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.

Every Pillar
What the Numbers Say

DPC-powered models deliver measurable reductions across the board.

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.

52.5%
Lower outpatient and ER cost
8.2%
Lower inpatient claims
12.6%
Aggregate cost reduction
10%+
Targeted savings vs. fully-insured

Source: 2020 Milliman Study for Society of Actuaries, "Direct Primary Care: Evaluating a New Model of Delivery and Financing."

The Self-Insured Model in Practice

Health insurance rebuilt from the ground up around your business.

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.

  • 1
    Employer moves to self-insurance
    Instead of paying fixed premiums to a commercial carrier, the employer funds a claims pool, with stop-loss insurance in place to cap exposure on catastrophic events.
  • 2
    DPC membership is built into the plan
    Every employee is enrolled in a local DPC practice. Routine care, prevention, and chronic condition management happen there, with no claims filed against the self-insured pool.
  • 3
    Claims volume drops, meaningfully
    With primary care handled outside the claims system, the events that do hit the pool are fewer and less severe. ER use, specialist referrals, and inpatient admissions all decline.
  • 4
    The employer keeps the difference
    In a traditional plan, unused premiums stay with the carrier. In a self-insured model, what you don't spend stays with you, redirected to the business, the team, or plan improvements.
What DPC-Powered Self-Insurance Delivers
52.5%
Reduction in outpatient and emergency room costs among DPC-enrolled employees vs. non-enrolled peers
8.2%
Reduction in inpatient hospital claims, the single largest driver of catastrophic healthcare spending
5.4%
Reduction in outpatient surgical costs when employees have consistent access to a DPC physician
23.2%
Reduction in other outpatient-related expenses through earlier intervention and better care coordination
12.6%
Aggregate cost reduction across all healthcare categories for most qualifying employers
10%+
Targeted savings vs. fully-insured plans for employers who adopt DPC-integrated self-insurance

Source: 2020 Milliman Study for Society of Actuaries. Results vary by employer size, industry, and workforce health profile.

Who This Is For

Built for employers who are done accepting the status quo.

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.

If you write the renewal check, you should know what's in the plan and why.
🏗️

Small to Mid-Size Businesses, 5 to 200 Employees

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.

Sweet Spot
🔧

Trades and Service Businesses

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.

High Fit
🏢

Employers Currently Offering No Coverage

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.

Entry Point
📈

Growing Companies Ahead of the Cost Curve

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.

Forward Plan
💊

Teams with High Chronic Condition Burden

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.

High ROI
🏆

Employers Who Want Healthcare as a Recruiting Tool

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.

Recruiting
The Bag Carriers Role

Frank designs your solution, from first conversation to fully implemented.

This is the healthcare conversation most business owners never get to have. Here is how Frank works it.

  • 1
    Free consultation, understand your current situation
    Frank reviews your current healthcare costs, plan structure, employee count, and industry. We identify where you're overpaying and what a restructured approach would look like, with complete transparency about what Frank handles directly versus what goes to a licensed partner.
  • 2
    Custom solution designed for you
    Frank introduces you to the right DPC partner and helps manage the setup on your behalf, and brings in a trusted licensed brokerage partner for the insurance side, someone he has worked with successfully on dozens of employer groups. You get a cohesive solution, not two disconnected products.
  • 3
    Partner introductions and enrollment
    Frank handles the DPC introduction directly. For the insurance component, he personally introduces you to his brokerage partner, briefs them on your situation, and is present throughout to make sure the solution stays aligned with what you actually need.
  • 4
    Ongoing advocacy, for you and your team
    Frank is your point of contact, not a broker who disappears after the sale. 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 separate relationships alone.

The healthcare conversation most business owners never get to have.

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.

Frank introduces you to a DPC partner, introduces you to a licensed insurance partner, and stays in the relationship as your advocate so the whole system works together, not just on day one.

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 Consultation
What Employers Are Saying

Better benefits. Lower costs. Healthier teams.

We 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.
Owner, Construction Company, 18 Employees
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.
Owner, HVAC Service Company, 11 Employees
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.
Owner, Regional Retailer, 34 Employees
Book Your Consultation

Let's design your custom healthcare solution.

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.

Request a Free Healthcare Consultation
What to Expect
1
Frank reviews your submission
We look at your employee count, current situation, and industry before the call so we come prepared with relevant options, not a generic pitch.
2
Free 30-minute consultation call
Frank reviews your current costs, explains the DPC model, and walks you through what a custom wraparound or self-insured plan from his trusted insurance partner would look like.
3
Custom solution designed for you
Frank introduces you to the right DPC partner and to his licensed brokerage partner for the insurance side. You get both in one relationship, with Frank as the through-line.
4
Implementation and ongoing support
Frank manages partner introductions, enrollment coordination, and employee communication, and stays involved as your healthcare advocate going forward.

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.