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St. Anne’s Retirement Community cut health benefit costs by 40% with Remodel Health’s ICHRA+ Solution

Organization
St. Anne's Retirement Community

Market
Assisted Living

Previous Plan
Fully-insured group health plan

Location
Lancaster County, Pennsylvania

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Challenges

Before partnering with Remodel Health, St. Anne’s Retirement Community had a fully-insured group health plan. Their policy’s projected renewal price was $3.69 million for 120 employees, a substantial cost that put pressure on the company’s budget. While cost was the most immediate challenge, St. Anne’s leadership team also sought to offer their employees more robust and competitive health benefits. However, they were financially limited due to rising premiums and continuous large claims.

St. Anne’s Retirement Community was dealing with:

Skyrocketing renewal costs

Their fully insured plan had a projected renewal of $3.69M, creating unsustainable financial pressure on the organization.

Limited flexibility

Leadership wanted to offer stronger health benefits but couldn’t afford to do so under their group plan structure.

Rising premiums

Their recurring rate increases limited long-term stability and made health benefits planning difficult.

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We switched to an ICHRA because our insurance rates were increasing by 47% and would continue to do so due to a very large ongoing claim. We could not afford it. We did our research on ICHRAs and approached our broker about the possibility. They connected us with Remodel Health.

Terri Turner

Director of Human Resources, St. Anne's

The Solution: Transition to Remodel Health

Due to rising costs and inflexibility, St. Anne’s Retirement Community turned to their broker, USI Insurance Services, to explore alternative options. The clear choice was an individual coverage HRA (ICHRA), which offered nearly 40% in savings compared to their group plan renewal price. 

While these savings were substantial, they weren’t the only deciding factor. St. Anne’s chose Remodel Health because their leadership and employees would receive hands-on support from a dedicated benefits team throughout the process of designing and administering the ICHRA. With Remodel Health and USI partnering together, St. Anne’s found a way to reduce costs and fulfill their mission of better supporting their staff.

 

Implementation

The transition from a traditional group plan to an ICHRA with Remodel Health was smooth and well-supported. Transparency, step-by-step guidance, and strong broker collaboration ensured St. Anne’s leadership team and employees felt comfortable throughout the rollout.

  • Clear communication and planning. From the very beginning, Remodel Health’s Launch team set expectations, provided structured timelines, and kept leadership informed every step of the way.
  • On-site enrollment support. Remodel Health offered in-person assistance for employees as they selected individual health plans, ensuring everyone understood their options. This personal touch allowed employees to choose policies tailored to their specific needs.
  • Collaboration with finance and broker support. Remodel Health partnered directly with St. Anne’s finance team to develop a customized premium payment process that worked for the organization. Meanwhile, the team at USI provided valuable education and guidance, making the transition seamless.
 
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We announced this to our employees two months before the plan year would begin. There was a lot of fear and confusion. However, Remodel Health made this transition easy for our staff by providing education, numerous phone calls, and an on-site visit to meet with every employee. Once enrollment was complete, the excellent customer service has continued for any employee and HR when there were questions.

Terri Turner

Director of Human Resources, St. Anne's

Results

Switching to an ICHRA with Remodel Health resulted in significant savings and organizational improvements, including substantial financial relief, increased flexibility, and long-term stability.

  • Significant cost savings. By adopting an ICHRA, St. Anne’s reduced their projected renewal costs by roughly 40%. This freed up valuable funds and resources while improving the quality of their employee health benefits.
  • More options for employees and families. Staff members can now choose their preferred individual health plan. Additionally, many employees are saving money on their monthly premiums compared to their previous group plan.
  • Stronger long-term strategy. With Remodel Health and USI, St. Anne’s found an attractive solution that avoids year-after-year increases tied to claims experience. Leadership can now offer generous benefits without sacrificing financial stability.
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Terri-1-scaled

Our employees are happy with the plans and the increase in their pay because, with the cost savings, we were able to cover more of the costs. This has been a great experience, and we look forward to a continued relationship.

Terri Turner

Director of Human Resources, St. Anne's

Key wins

Employer Perspective

  • Lower benefit costs. St. Anne’s saved about 40% compared to their projected group coverage renewal. Relieved of this financial burden, leadership can now redirect funds to other key areas while continuing to support their employees’ health.

  • Confidence in benefits strategy. By working with Remodel Health and USI, St. Anne’s found a manageable, long-term solution that avoids unpredictable premium rate hikes. They can now offer competitive employee benefits without jeopardizing other company priorities.

Employee Perspective

  • More choice and flexibility. Employees gained the ability to choose the best individual health plans for themselves and their families. This gives them more control over their healthcare decisions, including costs, networks, and more.
  • Lower monthly costs. The ICHRA benefit helps employees save on their monthly healthcare expenses. This means they can better control their budget while still receiving quality medical coverage.

Conclusion

By switching to the ICHRA+® solution powered by Remodel Health, St. Anne’s Retirement Community is now experiencing major savings while giving their employees more freedom and choice. With the help of their broker and Remodel Health’s team, the company designed a benefits strategy that balances financial sustainability with top-tier coverage for staff members. 

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