Grow Faster and Cut Benefits Costs Without Cutting Quality

We help growing companies design smarter, data-backed benefits strategies that protect margins, attract top talent, and fuel long-term growth.
Get Your Custom Growth Strategy
  • Lower Costs - Save 10-50% compared to standard marketplace plans
  • Larger Networks - Nationwide PPO access with no referral headaches
  • No Red Tape - Skip the bureaucracy and get real coverage that works

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Answer 3 Questions to See if You Are Overpaying for Health Insurance

 Would you say your employees are generally pretty healthy?
Are you able to change your health insurance without changing payroll
Are your health insurance rates based on the health of your employees?
If everyone is healthy, do you get a reimbursement at the end of the year?
Do you work with a stop-loss carrier?
You need to select an item to continue

Based on Your Answers

This is how much you can be saving: [final_message]

There is a high probability you are overpaying and could save up to 50% without sacrificing coverage.

Just enter your name and email below, and we’ll reach out to schedule a quick call to review your plan—so you can start saving up to what we’ve just confirmed.

Your plan doesn’t reimburse healthy years, so you could be leaving money on the table. Let’s explore options to capture those savings.

Your plan reimburses you if everyone stays healthy. We can show you how to maximize that end‑of‑year rebate.

You’re working with a stop‑loss carrier—this means you’re effectively self‑funded. We can review your stop‑loss terms to protect you from catastrophic risk and boost your savings.

Without a stop‑loss carrier, self‑funding exposes you to unlimited risk. There are better‑structured plans that cap your liability and can still save you money.

It looks like your team’s health risk is high and you’re locked into your current plan. Unfortunately, this path doesn’t show any immediate savings—let’s still connect to explore smarter options.

Without a stop‑loss carrier, self‑funding exposes you to unlimited risk. There are better‑structured plans that cap your liability and can still save you money.

You are eligible for reimbursement based on your plan’s terms. There may be options for saving money. Consider a consultation for further clarity.

Your plan includes a stop-loss carrier. Ensure that your coverage is optimized for savings by reviewing your options with our experts

No stop-loss carrier detected. This could affect your savings potential. We recommend exploring other health plans with better coverage and lower costs.

You are currently on a PEO. Not all PEOs are created equally and even hide costs. We've saved clients as much as 33% without sacrificing on coverage.
Book a consultation to find out if you are one of those lucky few.

It looks like you’re on a level‑funded plan. Not all level‑funded plans perform the same—at PEO4YOU, we deliver more competitive rates, broader coverage, and white‑glove service to ensure you get the best value.

It looks like your team’s health risk is high and your plan structure limits flexibility—so this assessment doesn’t identify any immediate savings. Let’s connect to explore alternative strategies that could lower your costs without sacrificing coverage.

Your team’s health risk is high, and your current plan structure offers no immediate savings under these conditions. Let’s schedule a quick call to explore alternative options that could lower your costs without sacrificing coverage.

Your Responses

Description Information Quantity Price
Discount:
Total:

GET STARTED

0$

Thanks, we will contact you soon

Answer 3 Questions to See if You Are Overpaying for Health Insurance

 Would you say your employees are generally pretty healthy?
Are you able to change your health insurance without changing payroll
Are your health insurance rates based on the health of your employees?
If everyone is healthy, do you get a reimbursement at the end of the year?
Do you work with a stop-loss carrier?
You need to select an item to continue

Based on Your Answers

This is how much you can be saving: [final_message]

There is a high probability you are overpaying and could save up to 50% without sacrificing coverage.

Just enter your name and email below, and we’ll reach out to schedule a quick call to review your plan—so you can start saving up to what we’ve just confirmed.

Your plan doesn’t reimburse healthy years, so you could be leaving money on the table. Let’s explore options to capture those savings.

Your plan reimburses you if everyone stays healthy. We can show you how to maximize that end‑of‑year rebate.

You’re working with a stop‑loss carrier—this means you’re effectively self‑funded. We can review your stop‑loss terms to protect you from catastrophic risk and boost your savings.

Without a stop‑loss carrier, self‑funding exposes you to unlimited risk. There are better‑structured plans that cap your liability and can still save you money.

It looks like your team’s health risk is high and you’re locked into your current plan. Unfortunately, this path doesn’t show any immediate savings—let’s still connect to explore smarter options.

Without a stop‑loss carrier, self‑funding exposes you to unlimited risk. There are better‑structured plans that cap your liability and can still save you money.

You are eligible for reimbursement based on your plan’s terms. There may be options for saving money. Consider a consultation for further clarity.

Your plan includes a stop-loss carrier. Ensure that your coverage is optimized for savings by reviewing your options with our experts

No stop-loss carrier detected. This could affect your savings potential. We recommend exploring other health plans with better coverage and lower costs.

You are currently on a PEO. Not all PEOs are created equally and even hide costs. We've saved clients as much as 33% without sacrificing on coverage.
Book a consultation to find out if you are one of those lucky few.

It looks like you’re on a level‑funded plan. Not all level‑funded plans perform the same—at PEO4YOU, we deliver more competitive rates, broader coverage, and white‑glove service to ensure you get the best value.

It looks like your team’s health risk is high and your plan structure limits flexibility—so this assessment doesn’t identify any immediate savings. Let’s connect to explore alternative strategies that could lower your costs without sacrificing coverage.

Your team’s health risk is high, and your current plan structure offers no immediate savings under these conditions. Let’s schedule a quick call to explore alternative options that could lower your costs without sacrificing coverage.

Your Responses

Description Information Quantity Price
Discount:
Total:

Your Benefits Plan Should Drive ROI — Not Drain It

Most companies overpay for outdated health plans that don’t align with their stage of growth. We help you fix that. At BIH, we cut costs by up to 50% without downgrading networks, raising deductibles, or limiting care.

We give you a clear, CFO-friendly benefits strategy that supports scaling while keeping your team happy, healthy, and loyal.

Your Benefits Plan Should Drive ROI — Not Drain It

Most companies overpay for outdated health plans that don’t align with their stage of growth. We help you fix that. At BIH, we cut costs by up to 50% without downgrading networks, raising deductibles, or limiting care.
We give you a clear, CFO-friendly benefits strategy that supports scaling while keeping your team happy, healthy, and loyal.

Key Points :
  • Up to 50% cost savings for small businesses
  • No compromises on provider access or plan quality
  • No medical underwriting, payroll headaches, or bait-and-switch tactics
Get Your Custom Growth Strategy

We’ve Helped Companies Like Yours:

We’ve Helped Companies Like Yours:

Case Examples

  • Save Big – Brick and Mortar
    Cut health insurance costs by 52% without cutting coverage when national and local agencies failed.
  • Grow Fast – 600+ Member Broker-Dealer
    Built a retention strategy aligned with talent acquisition for rapid expansion.
  • Buyout Ready – Installation Company
    Implemented HR and benefits systems that 2.04x valuation in 12 months.

Everyone Else

1

Our Basic Analysis

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Our HRA Analysis

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Use Our Tool for Free

Request Access to Our Interactive Comparison Tool

Use the same tool we use to identify savings and compare plans, including HRA insights most brokers will not show you.

Request Access to Our Interactive Comparison Tool

Use the same tool we use to identify savings and compare plans, including HRA insights most brokers will not show you.

PEO

PEOS Enterprise-Level Benefits Without Enterprise Costs

  • Access large-group rates without hiring hundreds
  • Payroll, HR, benefits-fully managed for you
  • No medical underwriting. seamless onboarding
  • No medical health questionnaires required
Peo

Self Funding

Level-Funded
Pay Only for the Care You Use

  • Get refunds on unused premiums
  • Keep Your Doctor : BCBS, UHC, Aetna, Cigna, and Reference-Based Pricing Provider Networks Available
  •  Predictable costs with potential rebates
Self Funding

Taft Hartley

Multiemployer The Power of Group Coverage

  • Fixed health, dental, vision, and life premiums with the BCBS PPO network
  • No medical underwriting
  • A better plan for small businesses and self-employed professionals
Taft Hartley

PEO

Enterprise Level Benefits Without Enterprise Costs

  • Access large group rates without hiring hundreds
  • Payroll, HR, and PEO health plans are fully managed for you
  • Seamless onboarding
  • No medical questionnaires required
Learn More

Self Funding

Level-Funded Pay Only for the Care You Use

  • Get refunds on unused premiums
  • Keep Your Doctor: BCBS, UHC, Aetna, Cigna, and Reference-Based Pricing Provider Networks Available
  • Predictable costs with potential rebates
Learn More

Taft Hartley

Multiemployer: The Power of Group Coverage

  • Fixed health, dental, vision, and life premiums with the BCBS PPO network
  • No medical underwriting
  • A better option for small business health insurance and self-employed professionals
Learn More

What Our Clients Are Saying

Chrystin Comeau
Director, Clinic Operations at Cambridge Biotherapies
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. He was always willing to take a call or Zoom meeting to explain anything we had questions about. The insurance landscape can be complicated and complex to navigate, but he helped us make informed choices.
chrystin ezgif.com gif to webp converter
Jameson Reeves
Owner, Full Grip Games
I got a big health insurance rate increase, and I didn't like the recommendations from my large, nationally recognized employee benefits agency, so I decided to speak with other agencies. None of them could provide the same level of solutions that Sam could. Now, we are saving 40% on medical and overall costs while massively upgrading the health insurance benefits.
jameson
Jack Bazarbachian
Sako Auto Body, INC
Sam helped reduce my business's health insurance rates by nearly 50% without changing payroll or undergoing medical underwriting while improving the plan's benefits and network. He made the process effortless.
jack
Dr. Hoorbod D, DO
Medical Sinai Healthcare PC, NY
The Taft Hartley plan lowered my family's cost substantially while improving my coverage. I've been so happy with it that friends, family, and colleagues have since joined the plan as well.
hoorbod ezgif.com resize
Patrick Therrien
Founder & CEO, Nationals Scope Investigations
We were able to save almost 50% on our medical rates while fulfilling everything we were looking for
patrick ezgif.com resize
Dr. Elion Krok, MD
IMMC Health, NJ
Sam was able to take my family and business's situation and pull through where others failed. I am saving significantly while increasing my access to doctors.
dr eliomn11 ezgif.com gif to webp converter
Krystal Solimine
Sales Associate at RE/MAX Partners
We love the Taft Hartley plan. It is a much smoother experience, with claims getting approved quickly. It is also a much lower price than the alternative. I’m already telling friends and colleagues about it!
krystal
Karen M.

Absolutely loving the Taft Hartley  plan! Better than all other health insurance plans I have had. They have been flexible with my needs and it feels like I am getting a VIP, concierge treatment from customer service. I come from many years working in the health insurance industry. I didn't think my experience could be this good.
karen
Alexandra Estrada
Operations Manager at FOUR PAWS
Sam Newland is a valuable asset to our company. Thanks to his expertise and guidance, FOUR PAWS USA has made informed decisions to increase coverage and benefits while reducing costs for both employees and the company. We truly appreciate his efforts to provide our employees with high-quality, affordable plans.
Alexander Kady Tschopp
Co, Founders, Tailored Industry
Without changing payroll or going through underwriting, we saved over 50% on our medical plan while upgrading to a PPO, improving benefits, and reducing expected renewal increases. The savings allowed us to add dental and vision coverage and hire a new full-time employee to support our business growth.
alexandrakendy optimized
Scarlett Bartlett
Operations Manager, Matthew Cunningham Landscape Design
MCLD has been working with Sam for many years. As we have grown and evolved as a company, they have been providing expert advice for our changing needs to help keep things simple and effiecient for the business and keep our employees happy. If and when anything comes up, we can always be confident that they will be there to help.
scarlett
Chelsea Curtis
Founder, Managing Partner at Seaport Consulting
Sam is an incredible asset to a small business like ours. He was able to balance simplicity with inclusivity and completeness so that we were able to make choices that make our employees happy, and for much less than we expected. In addition to their deep knowledge, they have provided exceptional service by responding quickly and providing thoughtful business solutions.
Chelsea Curtis
Jacqueline Bellan
Manager, People Operations, Brio Systems
Sam is an expert in HR and Benefits. He took our preferences and guidelines to provide design solutions for both savings and growth strategies. He also spent time ensuring we understood every aspect of the healthcare plans we were considering, which can be challenging. With Sam’s help, we offered great benefits to our team, saved money, and grew quickly by attracting and retaining top talent.
jacq

Not a Captive Broker. A Strategic Partner.

Key Differentiators

  • We listen first. No cookie-cutter slides. Just clear, context-aware advice.
  • We simplify the complex. Executive-ready explanations that build buy-in across HR, Finance, and Leadership.
  • We stay ahead. Constantly researching the best options—so you never fall behind.
Talk to an ExpertTalk to an Expert

Let’s Build a Benefits Strategy That Actually Grows With You

Whether you’re hiring your first 10 employees or optimizing for 500+, we’ll show you how to cut costs without cutting corners—and build a strategy your whole team believes in.

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