Your Solution to Lower Costs
& Better Benefits

The Smartest Way to Offer Health Insurance

Pay for the care you use and get reimbursed for healthy years .

Why Pay More Than You Should?
Get Money Back on Unused Premiums.

Tired of Overpaying for Employee Benefits?

If your employees are healthier than the average business, why should you be stuck paying the same high premiums?

With Level-Funded Plans, you can pay for the healthcare your team actually uses—AND get refunds on the premiums you don’t spend.

How Level-Funded Plans Work
for You

✔ Save up to 50% compared to fully insured plans
✔ No surprises—transparent, predictable pricing
✔ Keep your network (BCBS, UHC, Aetna, Cigna, and reference-based pricing) with no disruptions
✔ Potential refunds on unspent claims dollars

Who Should Consider Level-Funding?

Best for businesses that want…

More control over healthcare costs
Lower premiums without limiting doctor access
A plan that rewards good health

Not for businesses that…

Have unhealthy employees
Businesses with 100s of employees

Trusted by Industry Leaders

Discover why top companies and leading media outlets

recommend Business Insurance Health.

What Our Clients Are Saying

"We were able to save almost 50% on our medical rates while fulfilling everything we were looking for."
Patrick Therrien
Founder & CEO, Nationals Scope Investigations
"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 was able to. Now, we are saving 40% on both medical and overall costs while massively upgrading the health insurance benefits."
Jameson Reeves
Owner, Full Grip Games
"Without changing payroll or undergoing medical underwriting, Sam helped reduce my business's health insurance rates by nearly 50%, all while improving the plan's benefits and network. He made the process effortless."
Jack Bazarbachian
Sako Auto Body, INC
"Sam worked with us to decrease our health costs by nearly 50% without rasing 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 epxlain anything we had questions about. The insurance landscape can be complicated and hard to navigate, but he helped us make great, informed choices"
Chrystin Comeau
Director, Clinic Operations at Cambridge Biotherapies
"We are loving the BIH plan. It is a much smoother experience with claims getting approved quickly. Just a much smoother experience and at a lower price than the alternative. I’m already telling friends and colleagues about it!"
Krystal Solimine
Sales Associate at RE/MAX Partners
The BIH 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.
Dr. Hoorbod D, DO
Medical Sinai Healthcare PC, NY
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. Elion Krok, MD
IMMC Health, NJ
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.
Alexandra Estrada
Operations Manager at FOUR PAWS
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.
Alexander Kady Tschopp
Co, Founders, Tailored Industry
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 Bartlett
Operations Manager, Matthew Cunningham Landscape Design
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
Founder, Managing Partner at Seaport Consulting
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.
Jacqueline Bellan
Manager, People Operations, Brio Systems
Absolutely loving the 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 M.