The City of Miramar faced unsustainable health insurance costs. Their fully insured employee health plan experienced annual premium increases of nearly 15%, a medical loss ratio exceeding 95%, and low participation in preventive health initiatives. Growing rates of manageable chronic conditions further strained the system, driving up expenses year over year. We partnered with the City’s HR team and benefits consultant to overhaul the structure of their employee health program through a two-phased strategy:

Phase 1: Transition to Self-Funding

• Designed and issued an RFP to transition the City’s employee and dependent coverage from a fully insured model to a self-funded insurance program.

• Evaluated multiple carrier responses and negotiated a new agreement that offered richer benefits, robust wellness incentives, and significant cost savings.

• Focused the new program on improving employee engagement in preventive care and chronic condition management.

Phase 2: Launch of an On-Site Healthcare Clinic

• Conducted feasibility studies and secured union buy-in by organizing site visits to established on-site healthcare centers across Florida.

• Facilitated collaboration between union leadership, management, and healthcare providers to design an accessible, employee-centered clinic model.

• Developed and negotiated the RFP for the onsite healthcare center, helping the City select a provider and location central to City Hall and major facilities.

Results

• $2 million annual savings achieved by eliminating carrier overhead, administrative margins, and certain service-related taxes.

• Medical loss ratio decreased by nearly 10% within two years.

• Successful clinic launch, with employee participation reaching near full capacity within 24 months.

• Onsite clinic ROI of 1.35 within two years—making visits to the clinic more cost-effective than standard insurance network visits.

• Enhanced care experience, with 45-minute average doctor appointments and significantly reduced wait times compared to traditional providers.

• Better chronic condition management, with more employees adhering to treatment plans, maintaining their health, and reducing long-term costs.

Impact Highlights

• 📈 $2M+ annual savings

• 🏥 1.35 ROI on onsite clinic within two years

• 💬 45-minute doctor visits with minimal wait times

• ❤️ Improved employee health outcomes and satisfaction

Client Testimonial
"Crosstown helped us rethink how we deliver healthcare to our employees. Their expertise, creativity, and ability to gain union support were key to the project’s success—and to the millions in savings we now realize each year."
— HR Director, City of Miramar