Clear answers and the numbers that matter.

A self-insured (or self-funded) health plan is when your employer pays for employee health claims directly, rather than paying fixed premiums to an insurance company. This gives employers more control over costs, access to their own data, and the ability to design benefits around their workforce. Vxtra Health makes self-insurance accessible for mid-market employers with 200 to 2,000 employees.

In the Vxtra Health model, local physicians serve as stewards of the health plan. They make clinical decisions — not insurance executives. There are no pre-authorizations, no denials for recommended care, and no call centers overriding your doctor. Physicians work directly with local employers and their employees, supported by AI-enabled technology that handles claims and data.

Vxtra Health is designed for self-insured employers with 200 to 2,000 employees in secondary markets across the Southeast, South, and Midwest. We're currently launching in Augusta and Gainesville, Georgia. If your company is self-funded (or considering it) and you want lower costs with better care, we'd love to talk.

Vxtra Health includes stop-loss reinsurance through Tokyo Marine HCC, one of the most respected names in the industry. This protects employers from catastrophic claims. For complex care that requires specialists outside the local network, employees still have access to care — the plan is designed to handle the full spectrum of health needs.

Vxtra Health is not a narrow network. It's a curated network of the best local physicians in your community who cost 40-70% less than hospital systems for the same treatment. Employees aren't restricted — they're connected with doctors who know them and their families. If you need specialty care or treatment outside the local market, the plan accommodates that.

Vxtra Health is powered by JudyHealth (by Capital Rx), the first platform to process both medical and prescription claims together with transparent data visibility. This is the same caliber of technology used by Fortune 100 companies. Employers get data in near real-time, compared to the industry standard of 120 days.

Vxtra Health is launching in Augusta and Gainesville, Georgia in 2026. We have 24 additional secondary markets identified across the Southeast, South, and Midwest. Our "Our Town" methodology is designed to scale market by market, connecting local employers with the best physicians in each community.

Brokers are essential partners in the Vxtra Health model. They bring employers to the table, maintain their advisory relationship and compensation, and offer a product no competitor can match. Vxtra doesn't replace the broker. We give them a differentiated plan that protects their existing business and helps them win new clients.

A physician-steward health plan is a self-funded health plan in which local physicians, not insurance executives, guide clinical decisions. Doctors act as stewards of both care and cost: no pre-authorizations or denials overriding your physician, transparent claims data, and benefits designed around the local community. Vxtra Health pairs this model with Fortune 100 caliber technology for self-insured employers.

The federal Transparency in Coverage rules require group health plans to publish their pricing in machine-readable files and give members tools to see costs in advance. For self-insured employers, meeting these requirements is part of responsible plan oversight. Vxtra Health is built around transparent data so plan sponsors can see and document their pricing. This is general information, not legal advice.

Under ERISA, the people who oversee a self-funded health plan act as fiduciaries. In general, that means making prudent, well-documented decisions in the best interest of plan members, including decisions about fees and vendors. Fiduciaries can carry personal responsibility for those duties. Vxtra Health gives plan sponsors the transparent data needed to support a documented, prudent process. This is general information, not legal advice.

Savings vary by employer, plan design, and current spend. Independent local physicians in the Vxtra network typically cost 40 to 70 percent less than hospital systems for the same treatment, and transparent claims data helps employers find and remove waste. A plan review gives you a specific estimate for your own workforce.

Vxtra Health uses an incentive-based plan design. Members pay less when they choose the right care, like generic medications over brand-name drugs or seeing their local physician instead of the ER for a non-emergency. The plan rewards smart choices, so employees who choose well keep more of their money. Specific cost-sharing depends on the individual plan design.