For Independent Practices

The third path was always structural.

Not selling. Not surrendering. Coordinating.

The Purchasing Power Gap

A 50-employee independent practice. Every year. Without exception.

Consider what your practice currently pays versus what a coordinated group of the same size pays for the same coverage from the same carriers.

Expense Category Independent MedMerge
Employee Health Benefits $750,000 $525,000
Medical Malpractice $400,000 $280,000
Property & Casualty $200,000 $140,000
Workers Compensation $100,000 $70,000
Cyber, D&O, EPLI, Other $150,000 $105,000
Total Annual Spend $1,600,000 $1,120,000

Based on typical independent practice vs. coordinated purchasing economics. Actual savings vary by specialty, geography, and claims history.

Model Your Practice

See exactly what changes when your premium stays.

Enter your total annual insurance and benefits spend. Include health benefits, malpractice, P&C, workers comp, and all other lines.

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$0 10-Year Premiums Paid
$0 Carrier Profit on Your Money
$0 Annual Savings with MedMerge
$0 10-Year Value Recaptured
Your Practice Economics Report

Personalized. Specific. No obligation.

We prepare a customized report modeling how your practice's economics change under coordinated structure, including rate savings, captive surplus projections, and float recapture over 10 years.

Confidential. Delivered within 48 hours. Based on your actual specialty, employee count, and current insurance spend.