Self-funded spend doesn't leak at the renewal. It leaks one episode at a time, and the episodes are findable in advance.
Same procedure. Same city. Different building.
Published prices · three common episodes · one dollar scale
Hospital outpatient deptTop-rated center
MRI, lumbar spine
$2,320 apart
Colonoscopy, screening
$3,050 apart
Knee arthroscopy
$4,500 apart
Illustrative episodes from published hospital price transparency files and federal quality data. The lower-priced building carries the stronger safety data in each pair. Your brief draws this chart for your own market.
Ambulatory surgery$4,500 back
The same knee scope: $9,000 at a hospital outpatient department, $4,500 at a top-rated surgery center eleven minutes away, with the stronger infection record.
IVF~$18,000 back
Choosing the clinic on CDC live-birth data for the right age band instead of marketing. One avoided cycle, plus weeks of leave that never show on an invoice.
Infusion2–3× less
The same drug, administered at an accredited community cancer center instead of a hospital-owned suite, across a full course of treatment.
Illustrative ranges from published price and outcome differences. Your brief shows your market's own numbers.