Employers replacing individuals as the paying customer
Around 31% of memberships are now bought by employers rather than households, principally self-insured firms that carry downstream claims cost and see primary care access as a way to reduce it. That changes the price point, the sales cycle and the acquisition economics entirely, since volume arrives in employer sized blocks. Practices organised around individual consumer marketing are competing for households while contracted volume goes elsewhere. Benefits procurement is a slower sale with a longer cycle, and a considerably cheaper member once it closes. Consumer marketing reaches nobody there. Blocks arrive whole.
Market Impact: Texas growing fastest at 13.8%








