Health Plans Designed to Support Your Workforce and Your Bottom Line
As an independent agency, we work with leading health insurance carriers to provide a wide range of plan designs and provider networks.
Our approach focuses on helping employers evaluate plan performance, manage healthcare costs, and select funding strategies that align with their goals. We work closely with our clients to design medical plans that balance cost control with meaningful coverage for employees.
With experience across fully insured, level-funded, and self-funded plans, we help employers navigate their options, benchmark their benefits, and make informed decisions in an increasingly complex healthcare environment.
Plan Designs & Funding Strategies
- Fully Insured
- Self-Funded
- Captive Programs
- Level-Funded
- Minimum Essential Coverage (MEC)
- Stop-Loss Coverage
- Pharmacy Solutions
- Flexible Spending Accounts (FSA)
- Health Savings Accounts (HSA)
- Health Reimbursement Arrangements (HRA)
- Benchmarking
Health Reimbursement Arrangements (HRA) & Health Savings Accounts (HSA)
Consumer-directed health plans typically combine a high-deductible medical plan with a savings account that can be used to pay for qualified healthcare expenses. The primary difference between HRAs and HSAs is ownership of the account.
Health Reimbursement Arrangements (HRAs)
- HRAs are funded by the employer and used to reimburse employees for eligible healthcare expenses. The employer determines which expenses qualify and retains ownership of the account.
Health Savings Accounts (HSAs)
- HSAs are owned by the employee and allow both employers and employees to contribute funds. The IRS determines which expenses qualify, and the funds remain with the employee even if they change jobs.