Small business owners across the country are bracing for the ripple effects of the $1 trillion cut to Medicaid.
According to a recent survey by Small Business for America’s Future, more than half (52%) of small business owners say those cuts would create added pressure for them to offer healthcare coverage—something many simply can’t afford. For businesses already operating on razor-thin margins, absorbing rising healthcare costs isn’t a realistic option.
But this moment calls for more than concern—it calls for innovation.
Meet the 42% Who Are Falling Through the Cracks
Right now, 42% of U.S. households fall below the ALICE threshold—Asset Limited, Income Constrained, Employed. These are working families who earn too much to qualify for Medicaid but not enough to afford traditional insurance. Many work multiple part-time jobs or rely on gig work. They don’t qualify for employer-sponsored benefits, and they’re often left with little or no healthcare access.
This is the growing gap in our healthcare system—and it’s where ful.Health is focused.
A Smarter Way to Support Part-Time Workers
At ful.Health, we’ve built ful.CashPay to address that exact problem. It’s not insurance (and that’s by design). Instead, it’s a flexible, affordable benefit that allows employers to offer real healthcare access to part-time, uninsured workers—without the cost or complexity of traditional coverage.
“The cost of turnover is huge—at least $1,500 to replace a single part-time employee,” says Dr. Bernie Saks, CEO and Founder of ful.Health. “ful.CashPay is helping businesses attract and retain their essential workforce by offering something that truly matters: access to health care.”
Why ful.CashPay Makes Sense Right Now
- No Open Enrollment Required: ful.CashPay can be offered year-round, helping employers respond to sudden policy shifts or employee needs immediately.
Transparent, Discounted Pricing: Members see all-inclusive prices before care, and can access prescription discounts, virtual visits, and savings at local hospitals.
Free 24/7 Virtual Care: Members can speak with a doctor in under 60 seconds through CirrusMD—anytime, anywhere.
Better Retention, Less Turnover: Offering a benefit like ful.CashPay improves morale, reduces absenteeism, and helps employers stay competitive in hiring.
New: Help with Medicaid, CHIP, ACA, and Hospital Assistance
Members also have access to concierge support for navigating public programs like Medicaid, CHIP, and ACA plans. We help check eligibility, complete applications, and even locate hospital financial assistance programs—making sure nothing gets missed and no one is left behind.
Small Business Resilience Starts Here
As national healthcare policies shift, ful.CashPay gives employers a way to stay agile, support their teams, and protect their bottom line—all for less than $10 PEPM.
Ready to see how it could work for your team? Schedule a demo or reach out to our team today.