Is It Cheaper to Use a Benefits Broker?
Get a dedicated support team for employee questions, claims, and renewals, without paying more for it.
You're Never Handling This Alone
Same price as going direct, plus a real team on your side.
Employee Questions
Your team fields the day-to-day questions from your staff, so you're not the one explaining plan details or tracking down answers.
Claims Issues
When something gets denied or billed wrong, you have someone to call who can actually help sort it out, not just a general support line.
Renewals & Comparisons
Options get compared and your renewal gets reviewed each year, instead of automatically accepting whatever the carrier sends.
Compliance Doesn't Wait for Renewal
ACA and state requirements change, and staying current on your own means catching every update yourself. Your advisor keeps an eye on what applies to your business year-round, not just when a plan is up for renewal.
Working With an Advisor vs. Going Direct
| With an Advisor | Going Direct | |
|---|---|---|
| Cost to you | Typically no added cost | Same premium either way |
| Employee question support | Included | You handle it |
| Claims support | Included | Carrier support line only |
| Compliance guidance | Ongoing | Self-managed |
| Annual renewal review | Included | Not typically offered |
| Dedicated point of contact | Yes | Call center rotation |
Frequently Asked Questions (FAQs)
Does it cost more to work with a benefits broker?
Typically no. Advisor compensation generally comes from the insurance carrier as part of the premium already filed with the state. In some cases a small administrative or service fee may apply separately, depending on the carrier and product. The best way to know exactly what applies to your situation is to talk it through with us directly.
How are benefits brokers typically compensated?
Most commonly through a commission paid by the insurance carrier, built into the premium rather than billed to the employer or individual separately.
Can I still get broker support if I already have a plan?
Yes. An advisor can typically step in on an existing plan to help with renewals, claims issues, and compliance questions going forward, even if they weren't involved in the original setup.
Ready to see actual coverage options? Explore Small Group Health Insurance or ICHRA plans for small businesses to compare what fits your team. Not sure whether you need a broker at all? Read Do I Need a Broker for Small Business Health Insurance?
Meet Our Small Group and ICHRA Advisors
Ready to Talk Through Your Options?
Let's go over your team's needs and see what actually fits, at no added cost to you.
Disclosures
We are compensated by the insurance carriers for policies you choose through us. There is no direct cost to you. Compensation may vary by carrier and product. Information on this page is for educational purposes and does not constitute legal, tax, or accounting advice. Please consult your professional advisors about your specific situation. Tax treatment of ICHRA reimbursements can vary by employer and employee. We are licensed to advise clients in Pennsylvania, New Jersey, and Delaware. Contact us to confirm availability in other states.
