How a Construction Company Saved 22% on Healthcare & Boosted Financial Wellness with Insure Wellbeing

Rising healthcare costs are a tough reality for many businesses, especially in high-risk, labor-intensive industries like construction. But one construction company took a forward-thinking approach, transforming challenge into opportunity with remarkable results.

Facing the Rising Cost of Coverage

Industry: Construction

Eligible Employees: 86

Like many employers, this company found itself grappling with escalating healthcare premiums. Their response? A strategic plan that balanced cost control with employee support:

• Major medical deductible increased from $3,000 to $6,000

• Resulting premium savings: 22% reduction—shared by the company and its workforce

To make the transition smoother and protect employees from unexpected out-of-pocket costs, they rolled out the Insure Wellbeing (IWB) program.

The Goal: Empower employees with education, proactive care tools, and meaningful financial protections.

Employee Participation on the Rise

Change isn’t easy, but the numbers show that employees embraced the new offering:

This steady increase reflects growing trust, satisfaction, and recognition of the program’s value.

Bottom-Line Benefits for the Employer

Beyond healthcare savings, the company saw a boost where it counts most, on the balance sheet.

Thanks to payroll tax savings associated with IWB’s unique plan structure, the employer experienced direct ROI from the program.

Financial Wellbeing Gains for Employees

For employees, the impact was personal and powerful:

Employees experienced reduced out-of-pocket costs at the point of care, increased take-home pay thanks to a tax-advantaged plan design, and greater peace of mind knowing that meaningful financial and wellbeing support was in place.

The result? Improved financial stability and a stronger sense of security.

100% Wellness Program Compliance in 2024

Engagement wasn't just passive, it was complete. Every enrolled employee met the program's wellness compliance requirements in 2024.

This level of engagement lays the groundwork for long-term behavior change and healthier lifestyles.

How Employees Engaged with the Program

Initial engagement was led by educational content and AI-driven communications, aligning with employees' readiness to learn and explore:

Early participation in the program focused on building awareness, with content designed to meet employees at various stages of readiness. While many were exploring their options and learning about the benefits, a notable portion, around 10% were already taking the steps toward change.

This balanced approach helped foster both initial interest and real momentum across the workforce.

Key Learnings & Future Strategy

The early stages of the program revealed that most participants were still in the process of building awareness and trust around their health and financial wellbeing. The Insure Wellbeing Sapphire Program proved to be the right fit for this population, offering foundational support without overwhelming them, effectively meeting employees where they were in their personal journeys.

Path Forward

To deepen impact and sustain engagement, the company is now enhancing the program with:

• Personalized Coaching

• Goal-Setting Challenges

• Action-Based Incentives

These additions are designed to gently encourage behavior change while maintaining a sense of autonomy and support. Community-building strategies are also being introduced to reinforce progress and make wellness a shared experience.

As participation grows and confidence builds, employees will have the opportunity to transition into more advanced program tracks. Like Ruby and Diamond, which focus on deeper behavioral change, structured wellness goals, and continued support from both peers and professionals.

Conclusion: More Than Savings. A Stronger, Healthier Workforce.

This success story isn’t just about cutting healthcare costs. It’s about creating a stronger foundation for employee wellbeing, financially, physically, and emotionally.

By combining smart plan design with the holistic support of Insure Wellbeing, the company has lowered costs, increased participation, improved outcomes, and built momentum for long-term, sustainable change.

With Insure Wellbeing, this construction company isn’t just protecting its workforce. It’s empowering them to thrive.

Authored by:

Sarah Dhallan - MARCOM Lead