Why Major Medical is Broken – The Revolt Bundle Alternative
The Healthcare Status Quo Is Broken
Employers are paying more than ever for group health insurance. The average cost has climbed to $700–$1,900 per employee, per month. Even after footing 50–75% of those premiums, employees are left with deductibles of $2,500–$5,000 and surprise bills that destroy morale.
If your company feels like you’re paying Cadillac prices for bicycle-level coverage—you’re not wrong.
The Revolt Bundle: A Smarter Alternative
Hello, World!
At Revolt, we designed the Indemnity + Revolt Health Network (RHN) bundle to give employers predictability and employees real support.
Cost per employee: $160–$260/month
Employer contribution: Flat, predictable, no 10% renewal hikes
Employee share: $40–$100/month with no high deductibles
Experience: Fixed indemnity benefits + concierge to pre-price care, file claims, and negotiate bills
This isn’t “cheap insurance.” It’s a re-engineered approach to healthcare benefits that actually works for small and mid-sized businesses.
The Numbers Don’t Lie: Side-by-Side Comparison
| Category | Major Medical | Revolt Indemnity + RHN |
|---|---|---|
| Average Monthly Cost (per employee) | $700–$1,900 | $160–$260 |
| Employer Premium Share | 50–75%, rising yearly | Flat, predictable |
| Employee Costs | 25–50% + $2,500–$5,000 deductible | $40–$100/mo, no high deductibles |
| Out-of-Pocket Experience | High deductibles, surprise bills | Fixed benefits + concierge support |
| Employer Savings | Costs up 6–10% every year | 50–70% savings vs. major medical |
| Employee Experience | Frustration, skipped care | Lower costs, happier employees |
Tax Savings with Section 125
It gets better. With a Section 125 cafeteria plan, employees can pay their share pre-tax—reducing their taxable income—while employers save on payroll taxes.
💡 Example: A business with 7 employees
Employee pays $100/month pre-tax × 7 × 12 = $8,400/year
Employer payroll tax savings (7.65%) = $642/year
Employee tax savings (25% rate) = $2,100/year
That’s real money back in everyone’s pocket.
The Employee Experience Upgrade
This isn’t just about saving dollars. Employees actually use and value their benefits when they:
Know costs up front
Have help filing and tracking claims
Get support negotiating bills after care
That means less frustration, fewer lost work hours, and better retention.
The Bottom Line
Major medical isn’t designed for small business budgets—it’s designed to feed a broken system. The Revolt Indemnity + RHN bundle gives you:
✅ Up to 70% cost savings
✅ Flat, predictable contributions
✅ Tax savings for employers and employees
✅ Concierge support your team will actually use
👉 Ready to Revolt against rising healthcare costs? Book a free Benefits Cost Audit today.
Info@RevoltHR.com
