No Delays. Fewer Unnecessary Denials. No Wasted Dollars. Experience Healthcare Built for You. Six free interactive tools to model funding strategies, stress-test renewals, and benchmark your benefits plan.
We built these because we believe informed decision-makers make better choices. And better choices tend to lead back to us.
Quantify the true market value of your benefits package. Compare your plan against industry benchmarks and see where your program stands relative to competitors.
Translate your benefits spend into measurable returns. See how your investment in employee health impacts retention, productivity, and your bottom line.
Model future healthcare costs across funding strategies. Compare self-funded, level-funded, and fully insured approaches to find the right fit for your organization.
See exactly how different funding strategies handle your specific claims scenario and how much you could save over 2 to 6 years. Model renewals across fully insured, self-funded, captive, and more.
Answer a few questions about your company and get a personalized savings roadmap with verified estimates and employee impact ratings. Explore 25+ strategies tailored to your situation.
Assess your health insurance plan quality, project expected HRA costs, and benchmark your competitiveness within your industry. The tool brokers don't want you to have.
We are not a carrier. We are not a PEO. We do not earn commissions that bias our recommendations. Here is how that changes what you get.
We are independent, solution-agnostic, and CFP® certified. We do not work for a carrier. We work for you.
Real clients. Real companies. Specific outcomes.
"Sam worked with us to decrease our health costs by nearly 50% without raising the deductible on employees or limiting the doctor network. These savings enabled us to add additional, valuable benefits."
"We saved over 50% on our medical plan while upgrading to a PPO. The savings allowed us to add dental and vision coverage and hire a new full-time employee to support our business growth."
"I got a big rate increase and did not like the recommendations from my large, nationally recognized benefits agency. None of them could provide the same level of solutions that Sam could. Now we are saving 40% while massively upgrading benefits."
"Sam is an expert in HR and Benefits. He took our preferences and guidelines to provide design solutions for both savings and growth strategies. With his help, we offered great benefits, saved money, and grew quickly by attracting and retaining top talent."
Use our free tools to model funding scenarios, benchmark your plan, and see what is possible. No email required. No sales call. Take your time.
When you want to go deeper, we review your specific situation, explain every option in plain language, and build the financial projections your leadership team needs.
You will have the numbers, the projections, and a clear recommendation. No pressure, no bait-and-switch. Just a decision your CFO, HR director, and CEO can all stand behind.
Depending on your company size, claims history, risk tolerance, and growth plans, one of these strategies will best accomplish your goals. We model all of them and show you the numbers.
Best for companies that want large-group rates, bundled payroll and HR, and zero medical underwriting. Often ideal for 30 to 100 employees scaling quickly.
Best for generally healthy groups that want to capture unused premium dollars. You keep what you do not spend. Often saves 20 to 40% over fully insured plans.
Our preferred Taft-Hartley solution is best for small businesses that want fixed-rate group coverage with no medical underwriting. Ideal for companies with 5 or more subscribers.
Whether you have already explored the tools or just want a conversation, we start by listening. No pitch decks. No pressure. Just a clear-eyed look at your options for controlling costs, attracting talent, and growing your business.
Thank you for reaching out. We typically respond within one business day. If your renewal is urgent, we will prioritize your request.
Affordable health and benefits plans for small businesses, freelancers, and independent contractors.
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