Health plans
Funding strategy, plan design, coverage changes, and pharmacy, all reviewed by a physician before you decide.
Employee Benefits
A physician behind your health plans.
Your health plans are where most of your healthcare money goes, more than $18,500 per employee in 20261, and where clinical review is rarest. One3 puts a board-certified physician on your benefits decisions: what your plans cover, where employees are steered for care, and which programs earn their cost.
What it covers
Every health plan decision, with a physician in the room.
Steerage
Where employees go for care: primary care, telemedicine, second opinions, centers of excellence, and high-value providers. We design the steerage strategy and vet the partners who deliver it.
Vendors
Wellness, care management, and point solutions, judged against the evidence and compared with the right group, not just the people who signed up.
High-cost claims
Clinical review of the cases driving spend, aimed at next year's cost, not last year's list.
The whole picture
One healthcare business, two budgets.
A chronic condition on the health plan side can become an injury cost on the workers' comp side. One physician sees both. Employee Benefits is one half of the Fractional Medical Executive's role; Workplace Health is the other.
Working for you
No adverse incentives.
No carrier compensation, no insurance sales, no referral fees. We recommend what's best for the employee and for the business.
Interactive model · The True Cost of Health
What is your workforce’s health really costing you?
Your premium is the symptom, not the disease. Adjust the inputs to size the full picture — medical spend, workers’ comp, and the lost productivity underneath. Then get your healthcare cost snapshot to see what a physician-led program is built to recover.
Adjust your inputs
2.7 TRIR avg
1,500 employees
$18,500
National average is $18,500 for 2026 (Mercer). Use your own PEPM × 12 if you know it.
How you compare
Your sector’s injury rate of 2.7 is 17% above the all-industry average of 2.3.
Your per-employee health spend is on par with the $18,500 national benchmark.
Estimated true cost of health for 1,500 employees at $18,500 per employee: $34,328,200 per year. That is $27,750,000 in medical and pharmacy benefits, $728,200 in workers' compensation, and $5,850,000 in lost productivity.
Your true cost of health / year
$34.3M
Roughly 1.2× the benefit spend most employers think they’re managing.
Medical & pharmacy benefits$27,750,000
Workers' comp (lost-time claims)$728,200
Lost productivity (illness & injury)$5,850,000
Get your healthcare cost snapshot
See exactly what One3 is built to recover for your workforce — your direct annual savings, return on program cost, and payback — in a healthcare cost snapshot you can share. Enter your details and we’ll email it to you.
Before you submit, double-check your workforce size and health benefit cost per employee above — your snapshot is calculated from those two numbers.
Illustrative national-benchmark estimate, not a guarantee. Built on: Mercer 2025 ($18,500/employee, 2026); BLS 2024 injury rates; NSC/NCCI ($47,316 average lost-time claim); IBI (~$3,900/employee lost productivity). See Sources & References.
Prefer to talk? Book a callPricing & next steps
Put a physician behind your next benefits decision.
Book a short call. Tell us what's coming up for renewal, and One3 will show you where a physician's review changes the answer.
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