Why NewPath

A mutual that works
for you — not shareholders

NewPath Mutual is a group captive insurance company. That means when claims are low, the savings stay with your company — not on someone else's balance sheet.

See the Difference
The Problem

Healthcare costs are
outpacing everything

Traditional insurance premiums have risen 5–6% annually — far outpacing wage growth (4.5%) and inflation (3.2%). For small businesses, it's becoming unsustainable.

Source: KFF Employer Health Benefits Survey, 2024

$25,572
Average family premium in 2024
Up 7% over the prior year — an increase of nearly $1,800 per family.
$8,951
Average single coverage premium
Up 6% year over year, significantly outpacing worker wage growth.
60%+
Of U.S. workers are self-insured
Self-funded plans continue to grow as employers seek control and savings.
The NewPath Difference

Four reasons employers
are making the switch

We built NewPath Mutual around the things traditional insurance gets wrong — starting with who benefits when costs go down.

Mutual Structure

As a mutual, NewPath has no stockholders to pay. When claims come in under budget, the savings stay with the plan — benefitting employers and members, not outside investors.

Real Cost Control

Redirect Health's Cost Control System eliminates unnecessary spend. Clients can expect to spend 20% less in year one, another 20% in year two, with a goal of no more than 4.5% annual increases.

Full Transparency

You see exactly where every dollar goes. No hidden administrative fees, no opaque premium allocations. Full visibility into claims data empowers smarter decisions about your plan.

Aligned Incentives

Your success is our success. NewPath Mutual's model means we only win when your employees get great care at a fair price — not when we deny claims or raise premiums.

By the Numbers

Results that speak
for themselves

Powered by Redirect Health's 25+ years of experience and over 3.5 million virtual and in-office appointments.

$200M+
Member Savings
Putting money back in members' pockets
65.5
NPS Score
#1 vs. top U.S. health insurers (avg is 29)
4.6
Google Star Rating
Members rate their experience every day
90%
Customer Retention
Employers stay because it actually works
Who We Serve

Right-sized plans for
every stage of growth

Whether you have 2 employees or 500+, NewPath Mutual has a plan structure and risk partner designed for your business.

2–19
Employees
EverydayCARE® Routine Care, Hospital, and Hospital PLUS — available as ERISA Mutual or Cost Share.
NewPath Mutual Insurance
20–49
Employees
Full EverydayCARE® suite with embedded deductible options and expanded formulary on Hospital PLUS.
NewPath Mutual Insurance
50+
Employees
All three tiers plus EverydayCARE Hospital 0 PLUS — $0 deductible, dialysis & skilled nursing included.
NewPath Mutual Insurance

Ready to see what you
could save?

Whether you're an employer or a broker, we'll build a plan that fits your workforce and your budget.

Get a Quote See How It Works