Houston went down 10%. Every other region went up 16%.

Turner Industries is a Houston-headquartered industrial employer running a self-funded medical plan across the country. When they signed up, our network was Texas-only — so the Houston-region workforce got the benefit and every other region stayed on the plan without it.

That left Turner with an accidental control group: same plan design, same kind of work, same year. The only thing different between Houston and the rest of the country was access to the benefit.

In Houston, paid medical and Rx claims fell from $20.12M in 2024 to $17.88M in 2025. Even after the cost of the benefit itself, the all-in number still dropped from $21.08M to $19.00M — down 9.88%. Across the rest of the country — same plan, same workforce, no benefit — the line moved the other way: from $76.75M to $89.22M, up 16.26%.

That's a 26-point spread. Against the $1.12M Turner spent on the benefit that year, the $2.24M in claims savings was a clean 2:1 return.