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LIGHTNING STRATEGIES
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Healthcare inflation runs 6.5–9.5% annually. Traditional reserves yield 4–5%. That gap compounds against you every year. Bitcoin has delivered a 20–45%+ CAGR over every 4-year rolling period in its history. Even at the conservative end, a Bitcoin treasury structurally outpaces healthcare inflation — turning a losing game into a winning one.

A Worked Example
Example: 500-Employee Self-Funded Plan
Annual health plan spend$6,000,000
Annual trend increase (8%)+$480,000
Traditional reserves yield (T-bills, ~4.5%)+$45,000
Net gap (inflation outpaces reserves)−$435,000
Bitcoin treasury yield (conservative 20% CAGR)+$200,000
Bitcoin treasury yield (base 30% CAGR)+$300,000
Net Advantage vs. T-Bills$155K–$255K

Illustrative example. Based on $1M BTC treasury allocation. Actual results vary by allocation size and market conditions.

The core insight is simple. Healthcare inflation runs 6.5–9.5% annually. Traditional reserve instruments (money markets, T-bills) yield 4–5%. That gap compounds against you every year.

Bitcoin has delivered a 20–45%+ CAGR over every 4-year rolling period in its history. Even at the conservative end, a Bitcoin treasury structurally outpaces healthcare inflation — turning a losing game into a winning one.

The BLOC credit facility means you never have to sell your Bitcoin to fund claims. You draw fiat against your position, pay claims, and let the treasury keep compounding. This is a fundamental rethink of how self-funded employers manage reserve capital.

Middle-market self-funded employers with 200 to 1,000 employees are the most underserved segment. Jumbo employers have treasury teams. You get ignored. That’s exactly why we exist.

Before vs. After
Before — The Status Quo
×Claims costs rising 6.5–9.5% annually while cash reserves can’t keep pace
×CFO holds reserves in money markets or T-bills yielding 4–5%, a net negative against trend
×Every renewal cycle is a fire drill. Stop-loss premiums spike and budgets blow up
×No treasury strategy exists. Reserves sit idle, losing purchasing power every month
דWe looked at Bitcoin” = CEO read a headline and nobody followed through
After — With Your Fractional CBO
Bitcoin treasury grows at 20–45%+ CAGR historically — structurally outpacing claims inflation
BLOC credit facility lets you draw fiat against BTC to fund claims without selling your position
Renewal cycles become strategic. Treasury appreciation funds higher attachment points and better terms
Board-approved treasury policy in place: risk framework, custody, reporting, governance
Monthly performance reports vs. claims trend. Tax positioning. Rebalancing strategy. You stay in control.

“If the math doesn’t work for your plan, I’ll tell you before you spend a dollar. We show the model before the engagement, track it during, and prove it after.”

RUN THE MATH ON YOUR PLAN

Free Health Plan Treasury Assessment. We size a Bitcoin treasury against your actual claims data and deliver the model in 24 hours. No obligation, no pitch.