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 works for your company rather than the carrier. If you've only ever been shown fully funded plans, there's a better conversation waiting.
A full-service brokerage that works all year
A modern brokerage operates year-round. Here's what that looks like across six core services.
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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, rather than only the easy quote.
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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.
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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 rather than in the final weeks.
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Employee concierge support
When your people have a coverage, provider, or billing question, they reach a real person who knows your plan rather than a carrier call center. Better guidance means better care decisions.
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Compliance support
Guidance on ACA reporting, ERISA, Form 5500, COBRA and plan documents, delivered with our compliance partners. We keep the calendar so deadlines don't slip, and the filings stay with you or your plan administrator.
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Renewal strategy
We start preparing for your renewal 90+ days out, armed with your actual claims data. You go into renewal with a stronger negotiating position instead of scrambling in the last two weeks.
Businesses that want more than a quote
We work with companies that see their benefits program as strategic rather than an annual line item. Most fit one of these profiles:
- Growth-stage companies (10 to 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 to 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 rather than once a year with a pitch deck.
- Founders and CFOs watching the second-biggest line item Leaders who know a typical 10 to 30% annual premium increase compounds fast, and want a broker who treats cost control as the job.
A Utah broker, licensed where your team works
We're based in Lehi and licensed in Utah, and we work with employers along the Wasatch Front, from Salt Lake City to Lehi, Lindon and Provo. Utah's regional carriers and provider networks shape what a plan really costs, so we compare them on your own numbers. We're licensed in 13 states in all.
How it works
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Intro conversation
30 minutes. We learn your current plan, your team, and what you actually want to solve for. No forms, no hard pitch.
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Market analysis
We shop across carriers and plan structures and build a side-by-side comparison tailored to your situation, including projected employee impact.
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Implementation
Onboarding, open enrollment support, employee communication, and systems setup. We handle the operational weight.
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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), shares claims 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. Kingsfoil Health is paid by commission from carriers and partners, like every broker.
Where is Kingsfoil Health licensed?
We're based in Lehi, Utah, and licensed in 13 states: Arizona, California, Florida, Missouri, North Carolina, New York, Oklahoma, South Carolina, Tennessee, Texas, Utah, Washington, Wyoming. If your state isn't on the list, tell us and we'll talk it through.
See what a modern brokerage looks like in practice
Tell us about your team and your current plan. We'll show you what a year-round brokerage relationship actually looks like.
Start the Conversation