Your renewal
went up again.
There's a fix.
I'm Jake Rushton, an employee benefits advisor helping employers of any size build health plans that actually work. Cleaner operations. Smarter strategy. Employees who finally understand their benefits.
You already know something is wrong.
Premiums go up every year. You're told it's the market. Your employees are confused about what they're covered for. You're not wrong to want better answers.
The renewal shows up as a number. It rarely comes with a clear explanation of what changed, why it went up, or what you could do differently. You deserve the reasoning, not just the bill.
Many employers never see where their healthcare dollars actually go. Without that visibility, it's hard to tell what is driving cost, and you can't manage what you can't see.
Your people make healthcare decisions with almost no real information. Wrong plan choices, surprise bills, benefits left on the table. That is a people problem and a cost problem at the same time.
Three things that actually move the needle.
Shopping the plan every year only goes so far. I work across three areas that compound, because fixing one without the others does not stick.
Most plans have invisible drag: the wrong TPA, a bloated vendor stack, zero claims visibility. We audit what you have, cut what's costing you silently, and build a cleaner operating structure before we ever talk strategy.
Fully insured is a product. Self-funded is a strategy. We design a plan that fits your company with stop-loss protection, direct primary care, and real cost transparency. In a good claims year, the savings can stay with you.
A great plan that employees don't understand is a wasted plan. I build modern, plain-English education that helps your workforce make smarter decisions and fewer expensive mistakes.
What this can look like.
Examples of how the same care can be priced. Results vary by plan.
Illustration only. Assumes $10,000 in annual health plan cost per employee. Actual results depend on your plan, your claims, and your population, and are not guaranteed.
I made the switch because someone had to.
I spent the first decade of my career in retirement plan advising. But the more time I spent inside the benefits world, the more I kept seeing the same thing: employers paying more every year for health plans nobody had explained to them.
Renewals arrived as a number and not much else. Employers signed again each year because nobody had shown them a real alternative. I shifted to health plan strategy to change that: to show employers of any size how their plan actually works, where the money goes, and what their options are.
My job is simple. Help your plan perform better, and help your people understand it.
Three ways to get started.
Tell me a little about your company and your renewal. I'll look at where your plan stands and come back with a clear picture of what's possible. It takes about a minute, and there's no pressure and no pitch.
Explore my options →30 minutes. Live. I cover how the health insurance system actually works, why premiums keep climbing, and what other employers are doing differently. It's the fastest way to understand what is driving your plan's cost and what you can do about it.
Save your free spot →I speak on health insurance mechanics, plan strategy, and what employees need to know about their benefits. Available for podcasts, HR conferences, and corporate events. Real data, plain language.
See speaking topics →See where your plan stands.
Tell me a little about your company. I'll look at where your health plan stands and come back with a clear picture of what's possible. No pressure, no pitch.
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01Fill out the short form
Five quick questions. It takes about a minute.
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02I review what you sent
You'll hear back from me personally within one business day.
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03We talk, if it makes sense
A 20-minute call to walk through your options. You can book it right after you submit.
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Stop guessing. Start knowing.
Join the free Health Plan Masterclass. 30 minutes. Every other Wednesday. Walk away understanding what drives your plan's cost and what you can do about it.
Health insurance in plain language.
3 to 4 posts a week on health insurance mechanics, plan strategy, and what employees need to know about their benefits.
Deep dives on plan design, cost transparency, and the numbers most employers have never been shown.
Short-form education on how the health insurance system works and how to make it work for you.
Fast takes on how health insurance really works, in 60 seconds or less.
Behind the content and the mission of making health plans easier to understand.