Your group rates are climbing ~20% a year. You don't have to just take it.
We'll run a free forensic review of your current setup and find the savings most brokers walk right past. If we can't beat what you're paying, we'll tell you to stay put. That's the deal.
A few years of ~20% increases simply isn't sustainable
One increase, you grit your teeth and absorb it. But small-group rates have been climbing around 20% every year ... and stacked back-to-back, that trajectory breaks any budget. Watch what the same plan does over just a few years:
That's not a line any business can ride for long ... and re-shopping the same plan only slows the climb. The real fix is a smarter strategy.
Show me how to get off this curve →There's more than one way to beat the increase
Most brokers re-shop the same plan and hand you the smaller bad number. We bring more tools to the table:
Level funding
Healthy team? Get underwritten ... often well below fully-insured ... and get money back in a good year.
Defined contribution
Give employees a set dollar amount toward Covered CA, individual, or Medicare ... where many do better. You cap the company's exposure.
CalChoice
One program, Kaiser alongside PPO carriers. Your team each picks what fits ... no more “half want Kaiser.”
HSA pairing
Pair a high-deductible group plan with HSAs ... lower premium, pre-tax dollars for care, a tax win for the company and the team.
The contribution trick smart employers use
We quote the entire market at the Silver level (the most popular tier) so it's truly apples-to-apples, then set your contribution as a percentage of that benchmark Silver plan... for example, 75% of Silver for each employee.
Why a percentage beats a flat dollar amount: $100 per employee stretches much further for someone in their 20s than someone in their 50s, since rates climb with age. A percentage of the plan keeps it fair across your whole team... and keeps your total cost predictable and easy to budget.
- Employees who want a richer plan simply pay the difference.
- Employees who want something leaner pocket the savings.
- At enrollment, each person gets their own worksheet showing their real price for every option... HMO, PPO, even HSA.
Why group coverage opens bigger doors
Group PPO networks run about a third larger than individual & family plans ... plus the national BlueCard network for travel and out-of-area care. More doctors, more hospitals, fewer “sorry, out of network” surprises.
And here's what most owners miss: California's plans are standardized, so the benefits are identical from one carrier to the next. That means it comes down to price... and for the very same plan, prices vary hugely by carrier and by your group's ages and ZIP codes. Finding the carrier that's cheapest for your group, often quoting HMO and PPO separately, is exactly what we do.
Our promise: the forensic review
We dig into your current plan, your contributions, your employee classes, and how it's all structured ... and find the savings hiding in plain sight. If we can't save you more than it costs to keep us as your broker, we'll tell you to stay exactly where you are. No pressure, no cost, no catch.
Keep it. We can be your agent of record while you run payroll and benefits right through Gusto or Rippling ... you keep the platform you like and add a licensed broker working to lower your cost. No switching, no disruption.
Start your free forensic review
Just a few details to get going ... no employee census needed yet. We'll follow up to run the numbers, or you can book a call and we'll do it live.
Small business coverage questions
Let's find your savings
A quick, free forensic review from a licensed California agent ... and a straight answer either way.
Book your free review →