Built for Employers Who Think Long-Term
Enough! Health Group Insurance exists because we believe the employer health benefit should build something — not just spend something.
“Health insurance where the money doesn't disappear. That's the only design principle that mattered.”
The Problem With Traditional Group Plans
$22,000
Average annual employer cost per employee for family coverage (Kaiser 2023)
0%
Of traditional premiums employees can point to at year-end
8–12%
Annual group plan cost increases over the past decade
Employers spend more every year — and employees are left with nothing. Plans reprice at renewal, and whatever you don't spend disappears. The cost compounds; the equity never does. Providers fight for reimbursement. And every year, the HR team dreads renewal season. We built Enough! Health Group Insurance to change all three relationships — employer, employee, and provider — at the same time.
The Architecture
The Member Premium Reserve
A defined share of premium goes to a custodial account in the employee's name. It pays claims. Unused balances carry forward.
Self-Pay Pricing via Care Approved Card
Members access self-pay rates through the Care Approved Card — transparent and published upfront. Lower costs mean more stays in the Reserve.
Three Employer Structures
ICHRA for maximum flexibility. Captive Group for the full Reserve experience. TPA for self-insured employers who want to add the Reserve without changing their funding structure.
Our Team
Our founding team combines experience in insurance regulation, health plan design, employer benefits, and technology. Biographies coming soon.
Our Launch States
We are in the state licensing and regulatory approval process. Captive Group Plans and TPA Services are subject to state regulatory approval. ICHRA administration is federally authorized and available immediately.