For Employers & HR Leaders

One stack for every part of your benefits program.

HLG portfolio companies cover health plans, administration, direct care, commercial insurance, and payments. Pick one — or run all five, built to work together from day one.

15K+
Employer groups served
1M+
Covered lives
5
Stack layers
T+0
Provider settlement
Why HLG

Designed for HR leaders.

Flagship benefit
One stack, five layers

Health plan, administration, direct care, payments, and commercial coverage — pick one or run them all together.

01Plan
02Admin
03Care
04Payments
05Captive
06Commercial
02
Cost containment that lasts

Captive structure, direct care steerage, and self-funded options designed to bend the trend curve.

03
HSA + payments, native

Member HSA cards, real-time provider settlement, and broker commissions on a single bank-custodied rail.

Compliance & trust
Bank-custodied + HIPAA

Plan funds stay in segregated FBO accounts. HLG instructs payments — never custodies plan assets.

Use cases

How employers put it to work.

01
Mid-market HR
Replace a legacy renewal

Quote First Choice + MBA TPA, layer Benefit Re captive, integrate PayGate HSA — one onboarding, one renewal cycle.

02
Multi-site employer
Add direct care steerage

Pair MedOne urgent care and worksite clinics with the plan to cut downstream claim spend.

03
Healthcare-adjacent
Bundle commercial coverage

Layer Benefit Risk Advisors P&C alongside benefits for a single carrier conversation.

The stack you adopt

Six companies, one platform.

01
Plan
First Choice Health Plan
Fully-funded PPO product
02
Admin
MBA TPA
Plan administration
03
Care
MedOne Urgent Care
Direct care + worksite
04
Payments
PayGate Logistics
Payments & HSA
05
Captive
Benefit Re Insurance
Captive layer
06
Commercial
Benefit Risk Advisors
Commercial P&C
How onboarding works

From discovery to go-live in 8 weeks.

01
Week 1
Discovery

Census, claims history, and current carrier review. We size opportunity across plan, admin, care, and payments.

HLG does next
Tailored stack recommendation in 5 business days.
02
Weeks 2–4
Plan design

Benefit tiers, network steerage, captive layer, HSA contribution model, and broker compensation modeled together.

HLG does next
Side-by-side renewal comparison vs. incumbent.
03
Weeks 5–8
Implementation

Eligibility files, payroll integration, member portal, HSA card issuance, and provider directory wired up.

HLG does next
Dedicated implementation manager + weekly standups.
04
Renewal date
Go-live

ID cards mailed, member education campaign, broker onboarded, and finance dashboards activated day one.

HLG does next
Quarterly business reviews on cost trend and utilization.
Questions HR leaders ask

Answers, no jargon.

The most common questions from benefits leaders evaluating HLG. Don't see yours?

Ask our employer team
Built for HR leaders

Ready to redesign your renewal?

30-minute discovery call. We'll model your stack against your current carrier and share a one-page opportunity brief — no commitment.

SOC 2 + HIPAA Bank-custodied funds 50-state licensed