Your employees deserve $0 out-of-pocket healthcare.
The GO Plan® delivers complete coverage to your people at no cost to them — while reducing what you spend. No trade-offs. No fine print. A proven strategy that changes the equation entirely.
The GO Plan® is a specialized benefits approach that restructures how your organization handles healthcare — delivering full coverage to your people while dramatically reducing your costs.
01
We assess your organization
Our team reviews your current plan, employee census, and benefit structure to determine if The GO Plan® is the right fit. Most qualifying organizations see immediate savings potential.
02
We design your strategy
We build a custom implementation plan tailored to your workforce. Your employees who qualify receive $0 out-of-pocket coverage. You keep the savings. Everyone wins.
03
We implement and guarantee it
Our advisors guide implementation from day one. We guarantee a multiple ROI or your money back. It's that simple — and that rare in this industry.
Projected Savings
What organizations like yours could save in five years.
The figures below are modeled projections based on real organizational data — not guaranteed outcomes. The GO Plan® calculator runs the same analysis on your specific census so you see what your organization could save, not a generic estimate.
Figures are modeled projections based on COBRA premium data for evacuated participants. They do not capture large claim evacuation impact or premium increase mitigation — meaning actual results are typically higher. One qualifying client is currently saving in excess of $2.8M annually on this basis alone.
Eligibility Check
Does your organization qualify?
Answer three questions. We'll tell you right away — and if you qualify, we'll show you what your savings could look like.
1
How many benefit-eligible employees does your organization have?
Fewer than 50
50 – 250
251 – 1,000
1,000+
2
Do a meaningful portion of your employees have access to a spouse's or parent's health plan?
Yes, a significant portion
Some — not sure of the exact number
No — most employees are sole subscribers
3
Is your organization currently self-funded, level-funded, or fully insured?
Self-funded
Level-funded
Fully insured
Not sure
✓ Your organization may qualify
Based on your answers, The GO Plan® could be a fit for your organization. The next step is a 30-minute conversation with a Benefixa advisor — no obligation, no pitch.
The GO Plan® may not be the right fit — but Benefixa likely is.
The GO Plan® works best for organizations with a specific employee profile. But it's one of many strategies we use to reduce healthcare costs and improve benefits.
$2.8M in annual savings — for a single organization.
A large physical therapy practice implemented The GO Plan® and is currently saving in excess of $2.8M per year — calculated conservatively on COBRA premium data alone. This figure does not account for large claim evacuation or the mitigation of premium increases, meaning the actual impact is higher.
The organization's employees moved to zero out-of-pocket costs. The employer's healthcare spend dropped materially. Both outcomes happened simultaneously — which is the point.
"The GO Plan delivers exactly what it promises — better coverage for our people and a dramatically lower cost for the organization. It changed how we think about benefits entirely."
Senior Executive · Large Physical Therapy Practice · Identity available to qualified prospects
saved annually by a single GO Plan® client — and growing
"Better coverage for our people. A fraction of what we were spending."
Industry Physical Therapy
Basis COBRA premiums
Upside Not yet captured
Our Guarantee
We put our fee on the line. Every time.
Most advisory firms will tell you they'll save you money. We guarantee it — in writing, with financial consequences if we're wrong.
If we don't identify at least 10X our fee in savings opportunities, we refund your first installment in full and waive the second. Your cost: $0.
No other firm in this industry offers this. There's a reason.
Your Organization
Enter your current plan data. The calculator uses your COBRA-equivalent premiums to project savings by participation scenario.
All employees enrolled across all plans
Your total annual premium or plan cost
$
% of employees who will move to a spouse or parent's plan
3%Conservative
7%Moderate
10%Realistic
15%Optimistic
Industry average is 5–7% per year
5%
6.5%
7%
No email required to see your projections. We'll ask for contact info only if you want to talk to an advisor.
Your projections will appear here
Enter your enrollment and annual spend, then click Calculate.
Year 1 Net Net Savings — Participation
$0
projected first-year savings to your organization
0
Evacuated employees
$0
Gross COBRA savings
$0
Avg monthly COBRA/ee
All Participation Scenarios — Year 1
5-Year Projection
Year
Cost if No Change
GO Plan Participants
Gross Savings
GO Plan Fees
Net Net Savings
Cumulative
Annual Plan Increase vs. GO Plan Savings
Red = cost increase · Green = your savings
Annual plan cost increase
GO Plan net net savings
Want to see the full analysis?
A Benefixa advisor will review your numbers, model additional scenarios, and tell you exactly what implementation looks like for your organization. 30 minutes. No obligation.
Your information is used only to follow up on your savings inquiry. We do not sell or share your data.
✓ You're all set
A Benefixa advisor will reach out within one business day to walk through your numbers and answer any questions.
Projections are based on the COBRA premium equivalent method. Gross savings are calculated as the weighted average monthly premium per enrolled employee multiplied by the number of evacuated participants, annualized over 12 months, and compounded at the selected annual growth rate. Deductions include a GO Plan administrative cost of $4,200 per participating employee per year, a monthly administrative fee of $30 per participant, and an advisor savings fee of 30% of net savings. The resulting "Net Net Savings" represents the employer's projected benefit before accounting for the impact of evacuated employee out-of-pocket cost reimbursements, large claim evacuation benefits, or indirect fixed cost reductions — all of which typically increase actual savings materially. These projections are estimates only and do not constitute a guarantee. Actual results depend on employee participation, plan structure, census composition, and other factors determined during a formal assessment. The GO Plan® is offered through Benefixa / Sensible Benefits, LLC.
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The GO Plan® is one strategy in a comprehensive advisory relationship.
Benefixa is an independent benefits advisory firm with over 20 years of experience helping organizations from regional businesses to global brands restructure their healthcare. The GO Plan® is our most powerful single tool — but it's one of many.
