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.
Looking for the services side? See our health insurance brokerage overview
- 1 We run this analysis every year for free.
- 2 We show you all the options for your company.
- 3 We build a multi-year benefits plan based on your strategy and forecast.
- 4 We stay after the sale and support your HR team and employees.
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
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
Proactive management
Your plan gets better over time instead of only 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
Traditional broker vs. Kingsfoil Health
The difference is in 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 |
| Engagement model | Annual renewal contact | Year-round active partnership |
How it works
Four steps to a benefits program that saves your company money and gives your people a better experience, and they start again at every renewal.
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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.
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We build your options
We shop across plan structures, carriers, and PEO partnerships to find the right fit, including options beyond the familiar one. You'll see a side-by-side comparison with projected costs and employee impact.
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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.
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We act as your HR partner
Enrollment, compliance support, an HR hotline and care navigation for your employees, through partners we introduce and stay accountable for. The support a growing company doesn't have in-house yet.
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.
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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.
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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.
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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.
Common questions
If you don't see your question here, that's what the conversation is for.
Is this only for large companies?
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.
Will my employees notice a difference?
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.
How is this different from just switching carriers?
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.
What if our current plan turns out to be the best option?
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.
How much does it cost to work with Kingsfoil Health?
We earn a commission from the plans we place, just like every broker. There's no fee to have a conversation with us, and no obligation.
See what your benefits could look like
We'll walk through your current plan, show you what alternatives look like, and give you real numbers to compare.
Get a Plan Comparison