A health insurance brokerage built for forward-thinking businesses
We're an employee benefits brokerage that shops across every plan structure, manages claims year-round, and advocates for your company — not the carrier. If you've only ever been shown fully funded plans, there's a better conversation waiting.
Full-service brokerage, not a once-a-year renewal call
A modern brokerage operates year-round. Here's what that looks like across six core services.
Plan structure evaluation
We shop across fully funded, level-funded, partially self-funded, and PEO options. You get a real side-by-side comparison with projected costs and employee impact — not just the easy quote.
Carrier and network sourcing
We work across multiple carriers and PEO partners so your options aren't limited by a single preferred relationship. The right network for your team depends on where they live and how they use care.
Claims management
For self-funded and level-funded groups, we monitor claims data continuously, surface trends early, and use that data to build renewal strategy months in advance — not in the final weeks.
Employee concierge support
When your people have a coverage, provider, or billing question, they reach a real person who knows your plan — not an outsourced carrier call center. Better guidance means better care decisions.
Compliance and ACA support
ACA reporting, ERISA requirements, 5500 filings, COBRA coordination, and plan document maintenance. The administrative layer that every employer has to get right.
Renewal strategy
We start preparing for your renewal 90+ days out, armed with your actual claims data. You go into renewal with leverage, not scrambling in the last two weeks.
Businesses that want more than a quote
We work with companies that see their benefits program as strategic, not just an annual line item. Most fit one of these profiles:
- Growth-stage companies (10–100 employees) Scaling teams that need enterprise-quality benefits without enterprise headcount. Level-funded plans and PEO partnerships often fit best.
- Established small and mid-sized businesses (50–500 employees) Companies paying six or seven figures in premiums who want visibility, control, and the potential to get unused premiums back.
- HR leaders tired of reactive renewals Teams that want a broker who shows up year-round with data, not once a year with a pitch deck.
- Founders and CFOs watching the second-biggest line item Leaders who recognize that a 15% annual premium increase compounds fast and want a broker treating cost control as central, not optional.
How it works
- 1
Intro conversation
30 minutes. We learn your current plan, your team, and what you actually want to solve for. No forms, no hard pitch.
- 2
Market analysis
We shop across carriers and plan structures and build a side-by-side comparison tailored to your situation — including projected employee impact.
- 3
Implementation
Onboarding, open enrollment support, employee communication, and systems setup. We handle the operational weight.
- 4
Year-round partnership
Claims monitoring, quarterly check-ins, employee concierge support, and a renewal strategy that starts months in advance.
Brokerage FAQ
What does a health insurance broker actually do?
A health insurance broker represents your company (not the carrier) in evaluating, selecting, and managing your group health plan. A modern brokerage goes further: shopping across plan structures instead of defaulting to fully funded, providing year-round claims management, and supporting your employees directly when they have coverage or care questions.
How is a modern health insurance brokerage different from a traditional broker?
Traditional brokers usually quote a single plan structure (fully funded), check in once a year at renewal, and keep claims data with the carrier. A modern brokerage evaluates every structure (level-funded, partially self-funded, PEO), provides transparent reporting, advocates for unused-premium returns, and stays engaged year-round with both the employer and the employees.
What size company works with Kingsfoil Health?
We work with forward-thinking businesses ranging from about 10 employees to several hundred. Some alternative plan structures open up at 10+ employees; PEO partnerships can extend large-group pricing to even smaller teams. The right fit depends more on your goals than your headcount.
How does a health insurance broker get paid?
Brokers earn a commission from the carrier or plan administrator when a group signs on. The amount varies by plan and structure. At Kingsfoil Health, we disclose commission in writing, upfront, before you make any decision — because you should know how your broker is being paid.
Do you only serve one state or region?
We are headquartered in Utah and serve clients across the United States. Our brokerage, claims management, and concierge services are designed to work regardless of where your team is based.
See what a modern brokerage looks like in practice
A 30-minute conversation. No jargon, no pressure. Just a clear look at your options.
Talk to Us