How one nonprofit saved $1.5M and improved financial stewardship with ParetoHealth

Overview

After years of rising premiums despite having a healthy employee population, Fellowship Bible Church, located in Rogers, Arkansas, knew the traditional fully insured model wasn’t working. As a nonprofit, they faced the challenge of balancing employee benefits with disciplined budgeting. They were paying more than what made sense for the risk they represented, and knew it was time to find a better, long-term strategy.

Since joining ParetoHealth in 2019, they’ve saved over $1.5 million, secured protection against catastrophic claims, and unlocked cost-containment solutions that they couldn’t access on their own through Pareto’s Savings Engine.

Challenge

Budget strained by rising premiums

Fellowship was doing everything right, offering comprehensive benefits while carefully managing costs. But their fully insured health plan was working against them.

• Premiums kept rising despite a healthy population. At $75,000/month, costs were eroding financial stewardship with no improvement in care or outcomes.
• No claims visibility left leadership unable to act on cost drivers or explain why rates were increasing.
• Traditional self-funding insurance felt risky. One large claim could derail the entire budget, making traditional self-funding feel like too much exposure with too little protection.