Why haven't brokers seen these cost containment programs before?

Carriers appoint brokers, and appointment defines the shelf. These programs are billed out of the savings they create rather than through commission, so they never entered that distribution channel. 99% of brokers we talk to have never seen them.

Does the broker keep the client relationship?

Yes, on everything. Save with Benefits is not appointed on broker cases. We bring programs, model the savings and stay in the background or in the room, whichever the advisor prefers. Several partners white-label the engagement entirely.

Does bringing these programs cost the broker commission?

No. These programs pay out of the savings they create, so they sit outside the commission structure entirely. Nothing touches existing compensation, and there is room to participate on new programs brought in.

Does the client's carrier or plan have to change?

Nothing has to change. Most levers bolt on to the existing plan and carrier, keeping the same network, cards and doctors. When a structural change to level-funded, self-funded, a captive or a CHOICE Arrangement (formerly ICHRA) makes sense, the broker runs that conversation with modeling support behind them.

Is a CHOICE Arrangement the same as an ICHRA?

Yes. On September 3, 2026, CMS and the SBA adopted CHOICE Arrangement, short for Custom Health Option and Individual Care Expense Arrangement, as the name for the benefit previously called an Individual Coverage Health Reimbursement Arrangement, or ICHRA. It was a rename only. The regulations, eligibility classes and affordability tests are unchanged, IRS guidance still uses ICHRA, and existing plan documents keep their current wording until the administrator or counsel updates them.

What is needed to model a broker's case?

A de-identified census, or an accounts payable statement or general ledger export to include indirect spend. No protected health information. A hard number comes back in days with the mechanism behind every dollar.

YOU KEEP THE RELATIONSHIP · YOU KEEP THE COMMISSION · $0 UPFRONT

What if you could save your clients money while being paid more?

Q: Do you charge upfront fees?

No. There is no cost for the analysis and no obligation attached to it. If you don't like what we have to say, you've lost nothing but an hour, and you know a number you didn't know before. Bring your hardest renewal and judge the output.

Walk into the renewal with a flat or negative number instead of one you have to defend. We sit behind you, not between you and your client.

THE CONVERSATION YOU'RE DREADING

How many renewals are you having to defend?

A 15 to 45% increase isn't your fault, and your client knows that. They still remember who delivered it.

Carriers appoint brokers, and appointment defines the shelf. The programs that move trend hardest are billed out of savings, so they never entered your channel.

That's the gap. You can close it without changing anything else.

WHAT CHANGES FOR YOUR CLIENT

$2,000+ per employee, per year recovered

Flat to negative trend instead of a smaller increase

Better coverage not less of it

30 to 45 days to live, fully managed

WHAT DOESN'T CHANGE

What would you have to give up?

Nothing. This is a tool you bring, not a competitor you let in.

Your relationship

We are not appointed on your cases and don't want to be. Stay in the room or keep us in the background. Several partners white-label the whole thing.

Your compensation

These programs pay out of savings, not commission, so nothing touches what you earn today. There's room to participate on what we bring.

Your client's plan

Same carrier, same network, same cards, same doctors. Most levers bolt on without touching plan design at all.

WHAT YOU CAN BRING

What's on the other shelf?

Each one stands alone or stacks. Stack enough and trend goes flat or negative.

Steerage to better-rated doctors

11 to 17% off medical. Same network, same cards. Providers scored on 550+ quality metrics.

Transparent pharmacy (PBM)

Pass-through contracts with 100% of rebates returned: 15 to 25% off pharmacy spend.

Payment integrity

Fraud, waste and abuse runs 3 to 10% of spend. Bill review returns 1 to 1.5% of claims.

Level-funded and self-funded

Recover 8 to 15% of carrier margin and get the claims file back. You run the conversation.

Indirect spend, 60+ categories

10 to 30%+ outside the benefits P&L entirely. A reason to call clients between renewals.

$0-copay pharmacy and other bolt-ons

Value-add including over 2,400 Rxs (not just generics, but brands, OTC, & even specialty worth up to $1,900/mo retail).

WHAT'S IN IT FOR YOU

Does this cost you revenue?

No. These programs pay out of the savings they create, so they sit outside the commission structure entirely. Nothing touches your existing compensation, and there's room to participate on what we bring.

You keep your book. We just make it harder to leave.

WHAT ADVISORS ASK

You might be wondering...

Why haven't I seen these before?

Who owns the client relationship?

Does the plan or carrier have to change?

What do you need from me to model a case?

Do you charge upfront fees?

Reviewed by Keryn Gold, PhD, MBA, Managing Partner

Which of your clients could most benefit from piloting this?

Pick the hardest renewal on your desk. We'll model it at no cost, and you decide what to do with the number.

Start the conversation