Cost Control Meets Personalized Care.
Stop watching healthcare costs erode your budget. Whether you want to optimize your existing group plan, offer subscription-based essential care, or transition to an ICHRA, Maxwell provides the financial control employers need and the personalized choice employees deserve.
Optimize Your Current Investment
If you already have a traditional group plan, Maxwell acts as the unified hub. We make it radically easy for employees to find, understand, and use their complex benefits, driving high utilization and proving the ROI of your current healthcare spend.
Lower Premiums, Better Everyday Care
Offset expensive premium hikes by pairing a High-Deductible Health Plan (HDHP) with a fixed-cost subscription benefit. Through our partner River, employees get zero-copay access to primary care for everyday needs. You can seamlessly deploy these same subscriptions to give contractors and part-time staff affordable, essential coverage.
Total Budget Control via ICHRA
Take absolute control of your health insurance costs. Our partner River handles the personalized plan shopping for your team, while Maxwell’s financial engine seamlessly administers and manages your tax-free health reimbursements.
Eliminate Unpredictable Cost Spikes.
By utilizing fixed-cost subscription benefits or setting strict ICHRA stipends alongside your traditional plans, you gain absolute control over your annual budget, reducing overall healthcare spend per employee.
One Unified Compliance Hub.
Stop managing separate portals for different employee classes. Seamlessly manage contributions, eligibility, and tax reporting for your group plans, ICHRAs, and direct primary care subscriptions in one unified, compliant system.
Navigation Powered by AI.
Low utilization wastes your budget. Max, your 24/7 AI HR assistant, guides employees to the best-fit plans and personalized subscription benefits, increasing plan appreciation and leading to healthier teams.
How the Money Moves. (Zero Administrative Friction.)
Whether you cap your costs with an ICHRA or fund flat-fee subscription care, Maxwell automates the backend. Choose your pathway below to see the financial mechanics in action.
Pathway 1: Administering Subscription Care
Step 1: One Invoice. Zero Vendor Chaos.
You fund a flat, predictable monthly membership. Maxwell automatically aggregates the total cost and pays the provider network behind the scenes. You get a single, consolidated invoice for your accounting team.
Step 2: Frictionless Auto-Enrollment.
Eliminate double data entry. We automatically sync your eligible roster directly into the provider network, ensuring instant coverage without administrative bottlenecks.
Step 3: A Unified Hub for $0 Care
We kill platform fatigue by placing subscription benefits right next to their traditional plans. Employees open the Maxwell app for $0 copay access to clinic visits, therapy, and prescriptions—next to the rest of their benefits.
THE ROI OF THE DUAL-PLAN STRATEGY
Beat Premium Hikes Without Punishing Your Team.
Transitioning to a High-Deductible Health Plan (HDHP) saves the company massively on annual premiums, but it often frustrates employees who suddenly face high out-of-pocket costs for everyday care. Maxwell solves this. By pairing a low-premium HDHP with a flat-fee River subscription, your employees get frictionless, $0-copay access for 90% of their routine medical needs—reserving their HDHP strictly for major catastrophic events. You cap your renewals; they get better everyday care.
Pathway 2: Administering an ICHRA
Step 1: You Define the Budget.
Set a strict, tax-free monthly allowance per employee. You control the exact financial parameters, capping your costs permanently.
Step 2: They Shop the Marketplace.
Employees enter a beautifully simple, guided marketplace. Integrated decision-support tools help them select the optimal individual health plan for their personal budget and clinical needs.
Step 3: 1-Tap Attestation & Instant Funding.
No monthly receipt uploads required. Employees confirm active coverage with a single tap, and Maxwell instantly disburses approved funds directly to their Maxwell Card Visa® or bank account.
THE ROI OF ACTIVE REIMBURSEMENT
Stop Making Your Benefits Invisible.
When employers pay insurance carriers directly behind the scenes, a massive financial investment turns into invisible corporate overhead. Maxwell flips the script. By actively disbursing healthcare funds directly to the employee's Maxwell Card Visa® every month, your benefits become a tangible, psychologically rewarding perk that your team actually recognizes and appreciates.
THE PLATFORM ADVANTAGE
Unified Experience. Zero HR Headaches.
Put health benefits, digital wallets, and custom onboarding into a single, beautifully designed application.
Eliminate healthcare confusion. Our AI HR Assistant instantly resolves 80% of routine employee questions regarding deductibles and enrollment.
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A: Not at all. If you offer traditional group plans, Maxwell simply makes them intuitive and easy for your employees to navigate alongside their other stipends and rewards.
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A: No. Our partner River provides a beautifully guided, personalized plan shopping experience, while Maxwell’s 24/7 AI HR Assistant is available to instantly answer policy questions, eliminating confusion and HR support tickets.
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A: No. It is a powerful, standalone benefit providing your employees with direct, $0 access to primary care, behavioral health, and prescriptions. It works brilliantly as a standalone perk for part-time teams, or paired alongside a High-Deductible Health Plan (HDHP) to lower your premium costs while maintaining everyday care access.
Ready to Transform Healthcare from a Cost Center to an Investment?
Give your team ultimate personalization while securing predictable costs for your finance department.