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Helping employers make smarter benefits decisions

Health insurance,
made simpler.

We help employers understand their options, lower unnecessary costs, and work on a smarter strategy.

Start here · Question 1 of 5
How many employees do you have?
Takes ~2 minutes · No email required Skip to results →
Just browsing? See what we notice → or compare real plans
From experience

The longer we work with employers,
the more we notice.

Opportunities for clarity, savings, and better decision making.

01

Better renewals start early.

The strongest leverage happens months before renewal season, not after the rates arrive.

02

Strategy matters before pricing.

Funding model, contribution structure, and claims trends shape better outcomes long before quotes arrive.

03

Pharmacy costs deserve attention.

Rx spend is often one of the largest opportunities for savings and plan improvement.

04

Structure matters as much as carrier.

The right funding approach can impact costs far more than simply changing logos.

05

Contribution strategy affects everything.

Small changes in employer contributions can significantly impact participation, satisfaction, and long-term costs.

06

Clear communication changes outcomes.

Employees make better decisions when benefits are explained simply and early.

How it works

From first conversation to
ongoing support.

Thoughtful planning, and support that continues after enrollment.

01

Discovery

Understand your team, goals, current plan, and priorities.

02

Funding Analysis

Compare fully-insured, level-funded, and ICHRA options side-by-side.

03

Market Review

Evaluate carriers, pricing, networks, and plan structure clearly.

04

Ongoing Support

Renewals, employee education, claims guidance, and strategy throughout the year.

Try before you talk

Explore your options
before the first call.

Compare plans, understand tradeoffs, and get clarity before speaking with anyone.

Guided · ~2 minutes

Plan Finder

Five plain-English questions. We'll show you which plan types fit your business, why, and what to ask carriers next.

Start the Plan Finder Interactive · slider

Plan Comparison

Three real plans, side-by-side. Slide between "lower premium" and "lower deductible," and the best-fit plan updates live.

Open the comparison
Plan finder

What plan is right for you?

Five questions, ~2 minutes. We'll explain each option in plain English and give you a recommendation at the end.

Step 1 of 5
Comparison

Three plans, side-by-side.

Sample plans for a 25-employee group in the Northeast. Slide between priorities — the best-fit plan reorders live. Hover any ? for a plain-English explanation.

Your priority Balanced — most groups should look at BCBS Gold PPO first.
Lower premium Balanced Lower deductible
Compare
UnitedHealthcare
UHC Surest
Copay-based · Fully insured
Blue Cross Blue Shield
BCBS Gold PPO
PPO · Fully insured
UnitedHealthcare
UHC Silver HMO
HMO · Fully insured
Monthly premium ? What you (or your business) pay each month to have coverage — whether you use it or not.
Premium = predictable monthly cost
$585/employee
$498/employee
$445/employee ↓ Lowest
Deductible ? What you pay out of pocket before insurance starts sharing the cost of care. Higher deductible usually = lower monthly premium.
Deductible = upfront cost before coverage kicks in
$0 None
$1,500
$3,500 Higher
Out-of-pocket max ? The most you'll ever pay in a year. After this, insurance covers 100%. Think of it as your worst-case ceiling.
OOP max = your annual ceiling
$5,000
$4,500
$7,200
Coinsurance ? After you hit your deductible, this is the % of the bill you keep paying — until you hit your out-of-pocket max.
Coinsurance = your share after deductible
N/A · copay-based
20%
30%
Network ? Which doctors and hospitals you can use. Wider network = more choice, but typically higher premiums.
Network = your access to providers
UHC Choice Plus
Broad PPO
HMO (Tier 1 only)
RX coverage ? How prescription drugs are covered. Pharmacy is often 25–35% of total benefits spend — this row matters more than it looks.
Rx = often the hidden cost driver
3-tier · integrated
4-tier · integrated
3-tier · integrated
Best fit ? Our honest read on which type of business this plan tends to work well for.
Predictability-focused teams
Most mid-size groups
Local team, no travel needs
Get a real quote for your business
FAQ

Common questions.

Brokers are paid by carriers, not by you. Our commission is built into the premium whether or not you use us — so it pays to use a broker who actually shops the market. We disclose our compensation in writing on every proposal.
Level-funded is a hybrid: you pay a fixed monthly amount like fully-insured, but if your group has fewer claims than expected, you get money back at the end of the year. For healthy small and mid-size groups, it's almost always cheaper. Most brokers don't push it because the carrier pays them less for it — that's the whole story.
No. We work with groups as small as 2. The smaller you are, the more variance there is between carriers — which means a real market analysis often saves the most for the smallest groups.
90 days before your renewal date is ideal. 60 days is workable. 30 days is firefighting. If you're getting your renewal letter 30 days out, that's a sign your current broker isn't shopping the market — they're handing you whatever the incumbent quoted.
Yes. We can review your current plan, audit claims, look at PBM contracts, and start mapping renewal strategy now — even if you're 9 months out. We don't charge for that review.

Questions about your benefits?

We're happy to help you think through options, renewals, or plan questions.

LBI
BENEFITS INC.
Smarter Benefits.
Stronger Savings.
SHMUEL ZIMMERMAN
OWNER
OFFICE(847) 509-0000
CELL(773) 754-9729
SHMUEL@LBIBENEFITS.COM
 Tap the card to email Shmuel directly
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