An employee on a traditional high-deductible health plan (HDHP) pays their first $3,000 out-of-pocket regardless of where they go. Because the immediate financial blow feels identical to them, they naturally walk into the flashy, high-cost hospital system down the street.
When you waive the deductible on vetted independent options, the math flips. The employee pays absolutely nothing, and your corporate health plan pockets the immense structural difference.
Run Your Last Year Claims File Through the Waiver EstimatorOne switch, per procedure, in your own dashboard.
When Ruth serves local care options, the high-value centers are marked. centers. The savings are visible before they choose.
An employee who insists on using the high-cost hospital can still do so—they simply pay their standard deductible exactly like before. Nothing is taken away.
When an employee makes a high-value care choice, their out-of-pocket liability disappears for that procedure.
This exact same incentive lever works seamlessly across primary and urgent care settings. Waive the copay for an independent urgent care facility, and employees instantly stop treating high-cost emergency rooms as an equivalent weekend alternative.
Run our predictive waiver model against last year’s claims before you sign another renewal.
Sources: regional pricing metrics compiled from the Texas healthcare index, verified 2 October 2026.