Real Results from Real Employers

See how Enough! Health Group Insurance reduced benefit costs, improved employee satisfaction, and gave workers a named financial stake in their health coverage.

The following scenarios are projected outcomes based on the Enough! Health model. Enrollment opens in late 2026; coverage is effective January 1, 2027. Actual results will vary by employer size, employee demographics, and claims experience.

Boise Tech Company — ICHRA Switch

22 employeesTechnology sectorIdahoICHRA structure
100%

Employee plan satisfaction (self-reported)

3

Employer referrals from employees in first quarter

Challenge

A 22-person technology company in Boise had been on a traditional group plan for four years. Annual premium increases averaged 9.8%. The plan was a one-size-fits-all design that left younger employees overpaying for coverage they didn't use and older employees frustrated by high deductibles. The HR manager described open enrollment as 'the worst two weeks of my year.'

Solution

Enough! Health recommended switching to ICHRA with a $395/employee/month allowance. Employees chose individual plans from the Enough! Health Insurance marketplace — younger employees chose higher-deductible plans with more Individual Premium Reserve allocation; employees with families chose broader coverage. The employer's cost became predictable and flat.

Results
  • →Employer monthly benefit spend projected to drop from $627 to $395 per employee
  • →Total annual benefit cost projected to reduce by $61,344
  • →Every employee chose a plan appropriate to their age and family situation
  • →Two employees had unused funds carried into their own Individual Premium Reserve accounts within the first month
  • →HR manager spent 4 hours on enrollment instead of two weeks

Dr. Sarah Chen — Rural Family Practice, Idaho

Solo practiceFamily medicineRural Idaho1,400 patients
40%

Providers who participate see simplified billing and faster payment

2.1 hrs/day

Admin time saved (525 hrs/year)

Zero

Claim denials in 14 months

Challenge

Dr. Chen's rural family practice operated on thin margins. Commercial insurance required 2+ hours daily of administrative overhead — prior authorizations, claim submissions, denial appeals, and follow-up calls. A large portion of her revenue came 45–90 days after the patient visit. Write-offs from uncollected balances averaged 12% of billed charges.

Solution

When Enough! Health Insurance plans became available in Idaho, Dr. Chen decided to accept them alongside her existing patients. The Care Approved Card model meant instant payment at point of service — no billing, no waiting, no collection risk. She published her self-pay rates and accepted patients directly.

Results
  • →2.1 hours per day reclaimed from administrative tasks (525 hours/year — 13 full work weeks)
  • →Zero claim denials in 14 months of operation
  • →Higher net margin per encounter despite a lower gross payment rate
  • →"I now spend my mornings seeing patients instead of fighting insurance companies"
Coming Soon

Manufacturing Company

85 Employees — TPA Case Study

Coming Q3 2026
Coming Soon

HR Consulting Firm

Broker Case Study

Coming Q3 2026

Want results like these for your clients or company?

A 30-minute consultation includes a preliminary cost comparison for your employee count and state.

Schedule a Consultation