Independence Does Not Cost 50% More
In healthcare, size dictates power. Let Dutch set you free....
Big health systems don’t just negotiate better payer contracts, they crush independent practices on cost structure.
Take insurance. Worker’s comp, property coverage, malpractice, general liability, everything under property and casualty (P&C).
Large systems pay 30–50% less than independent physicians for the exact same coverage.
This isn’t because they’re safer or better managed.
It’s because they’re organized.
The Quiet Tax on Independence
Every independent practice knows the pain.
Premium renewals that climb for no reason.
Malpractice coverage that costs double what the local nonprofit pays.
Property insurance priced like you’re running a hazardous waste facility instead of a surgical center.
Why?
Because insurers see you as a single buyer with no leverage.
They spread risk and administrative costs across millions of covered employees for large systems, while they nickel-and-dime the small physician group down the street.
Worker’s Compensation: No bargaining power = inflated premiums.
Property Insurance: A solo ASC is treated as high-risk; a network of 100 is treated as stable.
Malpractice: Big systems build captives and recoup profits; you just get the bill.
Errors and Omissions: Every “miscellaneous” policy costs more because you can’t pool risk.
This is the financial gravity pulling independent medicine toward consolidation. Every year you pay retail rates for coverage, your balance sheet tilts further toward selling out.
What Systems Do Differently
Here’s the unspoken truth:
Large nonprofit and corporate systems don’t get cheaper insurance because they’re nonprofits. They get it because they act as one buyer.
They form captives to keep premiums in-house.
They negotiate umbrella coverage across dozens of facilities.
They access risk pools independents can’t touch.
They receive commission rebates that smaller buyers never see.
This isn’t innovation. It’s scale—and independents have been denied it.
The Power of Organized Independence
But what happens if independent physicians stop buying alone?
Risk Pool Expansion: 1,000 physicians negotiating together can access the same pricing as any system.
Captive Insurance Vehicles: At scale, physicians can underwrite their own risk and capture the profits that systems pocket.
Commission Returns: Brokers return money to the collective, not to corporate coffers.
True Negotiating Power: With hundreds of millions in premiums under one umbrella, insurers treat independents like major accounts—not mom-and-pop shops.
In real-world pilots, physician-owned hospitals and ASC networks have already cut P&C expenses by 25–50%—without selling their practices or losing clinical autonomy.
From Complaint to Collective Action
Dutch Rojas and the team at ReKlaim Health have spent the past year visiting more than 250 independent practices nationwide.
In every market, from Phoenix to Philadelphia, one issue dominated:
“We’re paying too much for P&C insurance, and we’re tired of relying on our broker-church- fraternity -brother-in-law broker while big systems crush us with captive pricing.”
That’s why ReKlaim was built. It’s not a broker, not a roll-up, not private equity in disguise. It’s a platform that unifies independent physicians so they can finally buy like a system while practicing like independents.
When thousands or tens of thousands of physicians pool their insurance spend, they don’t just negotiate, they rewrite the rules.
Costs drop, commissions flow back to the collective, and every dollar saved strengthens independence instead of funding the next health system acquisition.
Independence Without the Tax
Staying independent does not mean paying 50% more for coverage.
With the ReKlaim structure, physicians can keep ownership, keep autonomy, and still access the same pricing leverage enjoyed by the biggest health systems in America.
The only thing missing is cooperation.
And we have heard from more than 10,000 physicians, administrators, and owners.
If you’re done paying retail while corporate and nonprofit systems run captives and pocket commissions, it’s time to join the movement.
Independence doesn’t cost more. Explore your options today!
10,000 today and 100,000 physicians in the next 12 months. Let’s go!
-Rojas out