Reinventing how small to midsize employers self-fund through group purchasing

Meet the Virtue Health Consortium, a private employer group purchasing consortium that allows employers to share risk, control costs, and increase benefits – with ease.
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Feel the Power of

Group Purchasing

A health care group purchasing consortium is a private health insurance pool with like-minded employers that participate together to control and reduce the cost of their medical spend.

Outcomes Matter

While size does matter, the outcomes of the program matter more.


  • 40% Avg. Y/Y Program Loss Ratio
  • <5% Avg. Premium Increase
  • $8,700 Avg. Group PEPY
  • 7,800 Members

Benefits of the Consortium

The Virtue Health Consortium provides small & middle-market employers a predictable long-term risk financing strategy for stop-loss insurance.

Long Term Stability

No New Lasers

Ave. SL Increase <5%

Banded Renewals

A.I. Underwriting

Proven & Tested Cost Containment

Independent TPA’s Only

Fiduciary PBM’s Only

RX Overlay

Direct Contracts

Private Membership

No Misaligned Partners 

Risk Management Requirements 

Elite Advisers


Cash Flow

Competitive Terms



Choice of TPA/PBM

No Collateral or Cash Calls

Enter & Renew Any Month

By The Numbers

7,800 Members

72 Employers

32 States

The Numbers That Matter Most

Avg. Program Loss Ratio Since Inception
Avg. Total cost per employee per year
PEPY National Average
PEPY Virtue Average

What makes us Different

Unlike “Public” group purchasing programs, Virtual Health sets Risk Management Requirements (RMS’s) to participate in the program. How can you control claims if you have misaligned administrators, PBM’s, and other vendors managing the program? We have created an easy three-step framework to lower costs.

Step 1


To pay less for health insurance, you have to start paying less for healthcare services.

Step 2


Join your peers who have found partners to align their interests with. 

Step 3


Measure and manage the areas that have the largest impact on overall spend.

Join US

Outcomes your peers attained through Virtue Health
Opening Doors to Growth

This commercial door manufacture saved over $200k year one when totaling reduced premiums, unused claims refund and negotiated provider pricing.

Over $180K in Second Year

The county has seen numerous benefits since switching, including better quality care and a dramatic reduction in costs. The biggest payoff, a $181,346 refund.

Big City Savings on Healthcare

Under Virtue Health, the city of Corbin, Kentucky was not only able to reduce their municipality’s yearly health plan spend, they also received a surplus check at years end.

It’s actually easy to control healthcare costs

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