Benefits Done Right.
We built plans on the carrier side before we ever sold one. That means we know exactly which levers move price — and which ones your current broker isn’t touching. Steering around carriers that inflate trend. Placing your group where the math actually works.
Most firms sell insurance.
We treat your renewal like our own.
Employer health care costs are climbing 9.5% into 2026 — the sharpest run in fifteen years.1 1% of your members are now driving nearly a third of your total spend.2 A single gene therapy can carry a $1M to $4M+ price tag — and million-dollar claimants alone are up 45% in recent years.3
Shopping the market once solved this. It doesn't anymore. When cost is concentrated in a handful of members and a handful of drugs, calling three carriers for quotes isn't a strategy — it's a shrug.
We take a different path. We read your claims data the way a carrier does, name the risks nobody flagged, and build the plan around what your people actually need. Done that way, the savings show up as the by-product they should be — not the pitch.
We Don't Pitch. We Prove.
Real outcomes from real clients. No hypotheticals.
Moved to self-funded. $290K saved in year one. Year two, we recovered $150K in pharmacy rebates the carrier had been keeping on just one employee.
Facing an 89% renewal increase. We cut it to 42% year one. Year two, we delivered a decrease that brought them below where they started.
Getting 30–40% increases yearly. Carrier refused to share data. No one would bid. We negotiated a partially self-funded offer at 16% — year two renewal: 0%.
Stuck with a 38.5% increase from their broker. We got them to 14.6% — saving over $120K — enhanced their plans, and restructured their funding.
"Eric and his team are always so thorough and detailed. He is always trying to find better solutions for cost savings for our group. His knowledge of the health insurance industry is superior."Steven T. — Google Review
A Different Kind of Broker Relationship
No surprises. No last-minute renewals. Strategy from day one.
Deep-Dive Discovery
We start by understanding your business, your people, and your numbers — claims data, plan design, carrier contracts, and what your current broker hasn't told you.
Strategic Negotiation
We don't just shop rates. We use actuarial analysis to challenge carrier pricing, restructure plan designs, and find the funding strategy that actually fits your risk profile.
Clean Execution
Implementation is where most brokers drop the ball. We manage the transition, handle employee communications, and make sure nothing falls through the cracks.
Year-Round Management
Renewals don't start 30 days before they're due — they start the day after open enrollment. We monitor claims, track trends, and get ahead of problems before they become increases.
Not Every Group Belongs in the Same Plan
The right funding strategy can save your company six figures. We specialize in finding it — and making the transition seamless.
The Default
Fixed premiums, predictable costs. It's the most common structure — and often the most expensive. Carriers keep your claims savings, your rebates, and your data. Most brokers stop here.
The Bridge
Looks like fully insured, acts like self-funded. You get a fixed monthly cost with the upside of getting money back if claims come in low. Ideal for groups ready to take the next step.
Where the Savings Live
You pay actual claims, keep your rebates, own your data, and build real leverage. This is where we've saved clients $290K in a single year. It takes expertise to do right — that's where we come in.
Has your broker had the conversation about which funding strategy fits your group — and how much you could save by making the switch? If not, that tells you everything you need to know.
Full-Service Benefits Management
Strategy & Claims Analysis
Benefits strategy, plan design, renewal negotiation, and year-round claims monitoring. We build the financial case before your renewal — not after.
Systems & Technology
HRIS integration, online enrollment platforms, employee portals, and training — we handle the tech so HR doesn't have to.
Compliance & Documentation
ERISA wraps, Section 125, employee handbooks, and compliance reviews — we keep you covered and audit-ready.
HR Support & Admin
Dedicated account management, direct principal access, and day-to-day support. You get us — not a call center.
Every Product. Every Carrier. One Advisor.
We're independent — not tied to any single carrier. We build the right mix for your business.
Built Different. On Purpose.
We didn't start as salespeople who learned insurance. We started as underwriters and actuaries who learned how to use that expertise to save businesses real money.
That background means we understand the math behind your premiums — the loss ratios, the trend factors, the data the carriers use to price you. When we negotiate your renewal, we're not guessing. We're building the case.
Precision Insurance was founded with one mission: raise the standard for what an employee benefits broker should deliver. Not bigger. Better.
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