Absolutely not — and this is one of the biggest misconceptions out there.

Most employers think they’re “locked in” for a full year on a plan they reluctantly accepted because their broker waited until the last minute and they ran out of time. But the truth? You can switch to a better, lower-cost plan any time of the year.

In most cases, it takes one signature, no cost, and zero disruption to your employees. We handle the entire transition for you.

And honestly, you’re often better off switching mid-year. It lets you avoid the renewal rush, skip the pressure-filled decision window, and move into a smarter plan on your terms — not your broker’s timeline.

Not at all. We manage every bit of communication and implementation so your team experiences a smooth, seamless transition.

Employees typically notice only the improvements — lower out-of-pocket costs, better coverage, and a clearer understanding of their options.

Imagine what it would be like if your employees actually valued their benefits.

Because we can simply go farther than traditional brokers ever do.

Most employers are only shown a tiny slice of what’s actually available in the market, so they assume their current options are the best there is. We routinely bring employers plans, networks, and funding strategies they’ve never been shown—often several stronger options than their current broker even knows how to access.

Then we go deeper. We analyze your claims data to pinpoint overcharges, waste, inflated Rx costs, and hidden fees buried inside your plan. That allows us to redirect money back into richer benefits while tightening up the areas where you’re overspending.

But the real value is long-term rate stability. By opening up more advanced plan designs, optimizing claims spend, and eliminating the unnecessary markups that drive renewals higher every year, we give employers a path off the renewal roller coaster and onto a more predictable, sustainable cost trajectory.

In short, we bring you more options, more insight, and more strategy—so your dollars actually work harder and your benefits get noticeably better.

Not at all. In fact, most HR teams report spending significantly less time on benefits administration after working with us. Our team handles compliance, employee questions, and complex administration, freeing your HR staff to focus on strategic initiatives rather than benefits paperwork.

Traditional brokers simply shop for carrier quotes and present options, with little incentive to reduce your costs since they earn commissions on premiums. We function as a true benefits consultant, providing transparent analysis, custom strategy, and end-to-end support. Most importantly, we're aligned with your interests - when you save money and improve benefits, our relationship strengthens.