Our Approach

Benefits that actually work for you

We help companies take control of their health insurance through smarter plan structures, proactive claims management, and a concierge experience your employees will notice.

How it works

Three steps to a benefits program that saves your company money and gives your people a better experience.

1

We learn your situation

A 30-minute conversation about your current plan, your workforce, and what matters most. No forms, no pressure. We listen first.

2

We build your options

We shop across plan structures, carriers, and PEO partnerships to find the right fit. Not just the familiar one. You'll see a side-by-side comparison with projected costs and employee impact.

3

We manage it year-round

Implementation, onboarding, claims monitoring, and renewal strategy. We're a continuous partner, not an annual salesperson. Your plan gets better over time, not more expensive.

What makes this different

Three capabilities that work together: financial control for your company, a better experience for your employees, and active management that keeps the whole system performing.

Financial control

See where your money goes. Get unused premiums back.

With traditional fully funded plans, the insurance carrier keeps everything, whether your team uses it or not. With the right plan structure, unused premium dollars can flow back to your company.

That changes the economics of your second-largest line item.

Transparent claims data so you see exactly where dollars are spent
Potential return of unused premium funds at year-end
Renewal strategy built on your actual data, not carrier averages
Data analytics dashboard showing charts and metrics
Concierge experience

Real human help for your employees, not a phone tree

When your people have a health question, they shouldn't have to navigate an automated system. Our concierge approach gives them a real person who helps them find the right care, understand their coverage, and resolve issues quickly.

Better guidance means better care decisions. Better care decisions mean better outcomes for your employees and smarter claims for your plan.

Dedicated support that knows your plan and your people by name
Help finding high-quality, cost-effective providers
Claims questions resolved without the runaround
Two professionals in a friendly one-on-one conversation
Proactive management

Your plan gets better over time, not just more expensive

Most brokers check in once a year when it's time to renew. By then, it's too late to influence the outcome. We monitor your plan continuously, catch problems early, and build renewal strategy months in advance.

The result: a benefits program that improves year over year instead of just costing more.

Ongoing claims monitoring and trend analysis
Proactive check-ins, not reactive firefighting
Renewal preparation that starts months before your renewal date
Laptop displaying performance analytics with upward trends

The tools we use to get you there

We aren't locked into one plan type. We shop across structures to find the best fit for your company, your budget, and your people.

Level-funded plans

A fixed monthly cost with the potential to receive a return of unused claims dollars. Combines the predictability of fully funded coverage with the financial upside of self-funding.

Partially self-funded plans

Your company shares in the claims risk (with stop-loss protection) and gains direct access to claims data, cost transparency, and the ability to influence plan performance.

PEO partnerships

Access large-group benefits pricing through a Professional Employer Organization. Often the best option for small teams that want enterprise-level coverage without enterprise-level headcount.

We evaluate every option for your situation. The right structure depends on your team size, risk tolerance, and goals. That's what the conversation is for.

Traditional broker vs. Kingsfoil Health

The difference isn't just what we offer. It's how we operate.

 
Traditional Broker
Kingsfoil Health
Plan options shown
Fully funded only (usually)
All structures evaluated
Claims visibility
Carrier keeps the data
Transparent reporting, shared with you
Unused premiums
Carrier retains them
Potential return to your company
Employee support
Carrier call center
Concierge guidance, real people
Commission transparency
Disclosed if asked
Disclosed upfront, every time
Engagement model
Annual renewal contact
Year-round active partnership

Common questions

If you don't see your question here, that's what the conversation is for.

No. We work primarily with startups and small-to-mid-sized businesses in Utah. Some of these plan structures are available to companies with as few as 10 employees. PEO partnerships can make enterprise-level benefits accessible to even smaller teams.
Yes, and that's the point. The concierge experience means your employees get real human support instead of automated phone trees. They'll have someone who helps them find the right providers, understand their coverage, and resolve issues quickly. Most employees report it as a significant upgrade.
Switching carriers doesn't change the underlying structure. You're still on a fully funded plan where the carrier controls the data, keeps unused premiums, and has limited incentive to manage costs aggressively. We change the structure itself, which changes who benefits from better performance.
We'll tell you. Our recommendation is always based on what's right for your company. If your current plan is the best fit, we'll say so and explain why. That honesty is part of how we operate.
We earn a commission from the plans we place, just like every broker. The difference is we disclose that commission to you upfront, in writing, before you sign anything. There's no fee to have a conversation with us, and no obligation. We're transparent about how we get paid because we believe you should know.

See what your benefits could look like

A 30-minute conversation. No jargon, no pressure. Just a clear look at your options.

Talk to Us