Ezra A. Gonzalez
I'm a nationally licensed health and life insurance broker. Most companies overpay for healthcare — not because they're careless, but because the structure that would fix it is never brought to them. My job is to bring it to you.
I introduce this one proven strategy to your leadership team, model it on your own census so you're working from real numbers, and stay as your single point of contact from the first call onward. The program itself is implemented by the firm that originated it and has refined it across hundreds of companies over the past 25+ years — a personal guide, backed by a team that has done this hundreds of times.
Three rules I don't break.
Every projection I present is built on your census with stated assumptions — never on industry averages dressed up as your numbers.
I won't bring forward a program that saves money by making coverage worse. Participation happens only where the employee comes out ahead.
The strategy rests on long-established federal law, implemented with formal plan documents and professional administration — nothing aggressive, nothing gray.