--- title: The Freedom to Build It Your Way with an Independent TPA | Concierge TPA description: Discover how an independent TPA gives you the freedom to build smarter, flexible self-funded plans—with Concierge, you're always in control. --- [Skip to content](https://success.ctpa.com/blog/independent-tpa#main-content) [![Company Logo](https://success.ctpa.com/hubfs/Website%20Images/logo.svg)](https://ctpa.com/) - [Services](https://ctpa.com/services) - Who We Serve - [Members](https://ctpa.com/members) - [Employers](https://ctpa.com/employers) - [Providers](https://ctpa.com/providers) - [Brokers](https://ctpa.com/brokers) - [About Us](https://ctpa.com/about-us/) - Resources - [Member Resources](https://ctpa.com/resources/) - [Partner & Provider Resources](https://ctpa.com/partner-and-provider-resources/) - [Concierge Blog](https://success.ctpa.com/blog/) - [Compliance Updates](https://success.ctpa.com/compliance-updates/) - [Contact](https://ctpa.com/contact/) - [Secure Upload](https://us2.hostedftp.com/~secure@cbscas.com/) - Login - [Members Login >](https://cng.vbagateway.com/) - [Employers Login >](https://cng.vbagateway.com/) - [Providers Login >](https://cng.vbagateway.com/) # Concierge Blog July 29, 2025 ## The Freedom to Build It Your Way with an Independent TPA Todd Archer, Concierge President July is a natural time to reflect on the meaning of independence. And while we often think of freedom in the patriotic sense, those of us in the self-funding space know there’s another kind of independence worth celebrating, the freedom to break away from traditional healthcare models and build something that truly fits. For many employers, that starts with a simple question: *Why are we still doing it this way?* Why are we locked into rigid networks, bloated premiums, and carriers that don’t offer the flexibility or transparency today’s businesses need? That’s where self-funding steps in, and where things start to change. At Concierge, we believe self-funding is about more than financial control. It’s about freedom of choice. The freedom to design benefits that meet the unique needs of your workforce. The freedom to choose partners who align with your values. The freedom to adapt and evolve without waiting for a carrier’s permission. We see that kind of freedom in action every day, from employers customizing tiered networks to meet specific cost goals, to brokers implementing innovative pharmacy carve-outs, to CFOs leveraging real-time data to drive smarter decisions. Working with an independent TPA means you’re never boxed in. We collaborate to build a plan around your goals, not someone else’s template. Want to prioritize member experience? Let’s enhance navigation. Need to rein in high-cost claims? Let’s audit, manage, and optimize. Looking to add services mid-year? You can. Because you’re in control. The truth is that independence in healthcare isn’t just a nice-to-have—it’s becoming a competitive advantage. The organizations that embrace it are more agile, more cost-efficient, and more connected to their people. They’re not just managing a plan; they’re shaping a strategy. So, as the fireworks fade and summer kicks into full swing, don’t lose sight of what this month represents: the power to choose, to lead, and to build it your way. With the right partner by your side, independence isn’t a risk. It’s your biggest strength. ## Subscribe for Updates #### [July 2026 IRS Announces 2027 HSA Contribution Limits](https://success.ctpa.com/blog/2027-hsa-contributions) #### [May 2026 Steady Hands in a Shifting Industry for Better Outcomes](https://success.ctpa.com/blog/steady-hands-in-a-shifting-industry) #### [April 2026 Why Human-Centered Self-Funding Works](https://success.ctpa.com/blog/why-human-centered-self-funding-work) #### [March 2026 Data That Moves the Needle](https://success.ctpa.com/blog/data-that-moves-the-needle) #### [March 2026 Trump’s “Great Healthcare Plan” Framework](https://success.ctpa.com/blog/compliance-updates/trumps-great-healthcare-plan) #### [March 2026 How the Supreme Court Ruling on Section 1557 Impacts the Catholic Benefits Association](https://success.ctpa.com/blog/compliance-updates/supreme-court-ruling-section-1557-catholic-benefits-association) #### [March 2026 Enforcement Delay of the 2024 Final Rule on Mental Health Parity and Addiction Equity Act](https://success.ctpa.com/blog/compliance-updates/mhpaea-2024-final-rule-enforcement-delay) #### [March 2026 What Employers Need to Know: The One Big Beautiful Bill Enhances HSAs and FSAs](https://success.ctpa.com/blog/compliance-updates/unwritten-rules-in-healthcare-benefits-concierge-tpa) #### [March 2026 Primer on the Federal IDR Process for Surprise Medical Billing](https://success.ctpa.com/blog/compliance-updates/primer-on-the-federal-idr-process-for-surprise-medical-billing-december-2024) [![Company Logo](https://success.ctpa.com/hubfs/Website%20Images/logo-footer.svg)](https://ctpa.com/) **OKC Office** 13900 N Portland Ave., Suite 101 Oklahoma City, OK 73134-4017 **Bartlesville Office** 300 SE Frank Phillips Blvd Suite 200, Bartlesville, OK 74003 **Claims** P.O. Box 20667 Oklahoma City, OK 73156 [(877) 454-1440](tel:+18774541440) - [Home](https://ctpa.com/) - [Services](https://ctpa.com/services/) - [Members](https://ctpa.com/members/) - [Employers](https://ctpa.com/employers/) - [Providers](https://ctpa.com/providers/) - [Brokers](https://ctpa.com/brokers/) - [About Us](https://ctpa.com/about-us/) - [Resources](https://ctpa.com/resources/) - [Contact](https://ctpa.com/contact/) --- © 2025 Concierge Third Party Administrator [Privacy Policy](https://ctpa.com/privacy-policy/) ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Todd Archer, Concierge President", "url" : "https://success.ctpa.com/blog/author/todd-archer" }, "dateModified" : "2026-03-18T14:19:47.003Z", "datePublished" : "2025-07-29T16:00:00.000Z", "headline" : "The Freedom to Build It Your Way with an Independent TPA | Concierge TPA", "mainEntityOfPage" : { "@id" : "https://success.ctpa.com/blog/independent-tpa", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://success.ctpa.com/hubfs/Horizontal-Color.png" }, "name" : "Concierge Third Party Administrator" } } ```