For employers Free Benefits Strategy Review
Not happy with your renewal, or with the advice behind it? Get an independent second look before you sign.
The Quick Answer: Free benefits strategy review. We'll look at your current costs and renewal, and show you how alternatives like CHOICE Arrangements, Direct Primary Care, and health sharing compare. No fee to you. We may receive referral compensation from programs you choose. Licensing & Disclosures
How the review works
Share your renewal
Send your current plan summary and renewal, or walk us through them on a call.
We map your costs
We look at what you pay now, what's changing, and how your team uses its benefits.
We compare alternatives
We show how a CHOICE Arrangement, Direct Primary Care, health sharing or a revised group plan would compare for your team.
You decide
You get a clear side-by-side and our recommendation. There's no obligation to change anything.
What you'll get
- A side-by-side of your current plan and the alternatives that fit your workforce, with monthly costs your budget can plan around.
- A view of how each option works for different employee groups, such as full-time, part-time and employees in other states.
- A timeline that works back from your plan start date, including the notice employees need. Employers that offer a CHOICE Arrangement generally send employees a notice at least 90 days before the plan year starts [1].
Many employers we work with lower their costs; results vary.
How advisors are paid, and why it matters
Advice on health benefits is often paid for by commissions from the carrier or program you choose, and those commissions can differ from one option to the next. That can shape which options you're shown. We're an independent health benefits advisory firm, not tied to any single carrier or program, and we tell you how we're paid. Read more in Why Independence Matters and our Licensing & Disclosures.
Important: Direct Primary Care is a membership arrangement with a doctor for primary care services. It is not insurance and doesn't meet ACA minimum coverage requirements on its own. Health sharing plans are not insurance. Sharing of medical costs among members is voluntary and is not guaranteed the way payment is under an insurance contract.
Frequently asked questions
What do I need to bring to a benefits strategy review?
Your current plan summary, your renewal (if you have it), and a rough headcount by full-time, part-time and location. If you don’t have everything, we can start with what you know.
Is there a fee for the review?
No. There’s no fee to you. We may receive referral compensation from programs you choose. See our Licensing & Disclosures for details.
Do we have to switch plans after the review?
No. You get a side-by-side comparison and our recommendation. Whether you change anything is up to you.
When should we start before our renewal?
As early as you can. Employers that offer a CHOICE Arrangement generally send employees a notice at least 90 days before the plan year starts, so starting several months ahead of your renewal gives you room to decide.
REFERENCES
[1] HealthCare.gov. "Individual coverage HRAs." U.S. Centers for Medicare & Medicaid Services. https://www.healthcare.gov/job-based-help/ichra/