I help employers find out what this program is worth to them, using their own numbers.
- Ezra A. Gonzalez
- Licensed health and life insurance broker
- CA License #4366085
- Licensed in California
- Based in San Diego

Why I focus on this
I’m a business consultant and strategist. Most of my work is helping companies grow and scale. Too often, I watch employers cut good people to cut costs, before they’ve explored the options that would let them keep those people.
Most cost-control ideas ask employees to pay more. This one lowers the employer’s cost while the employees who choose it have their eligible out-of-pocket costs reimbursed. That’s rare enough that I chose to specialize in it.
I’ve also seen what turnover costs a company. One of the most reliable ways I’ve found to keep people happy and loyal is a benefit that takes a real worry off people’s plates and makes it easier for them to put their health first.
Employees are the life of a company. In my experience, when they aren’t carrying the daily stress of healthcare costs, they’re happier, more engaged, and more likely to stay.
And I like where the money goes: back into families’ pockets. The program naturally attracts those who need care the most, and they’re the ones who feel the difference.
What I actually do
- Build the savings analysis from your census
- Bring in the program’s administrator and national underwriting team, who have run this arrangement for more than 25 years
- Sit in the meetings with your CFO, your benefits team, your broker, and your counsel
- Stay on the account through plan design, employee communication, and enrollment
How I work
- I won’t quote you a savings number before I’ve seen your census. Everything earlier is an illustration, and labeled that way.
- Your broker is invited, not worked around.
- If it isn’t a fit, I’ll tell you on the first call.
- Every figure on this site is a historical average with its qualifier attached.
- I reply within one business day.
Who I work alongside
The program is run by a specialist administrator with its own national underwriting team. I’m your point of contact; they administer the plan. You’ll receive the administrator’s name, credentials, and sample plan documents with your analysis.
Find out what it’s worth to you.
A no-cost savings analysis built from your census. You’ll see projected participation, estimated savings, and how the program would run, in writing, before any decision.
In one line
Employees with access to a working spouse’s group plan can choose to enroll in it, and you reimburse 100% of their eligible out-of-pocket costs. It’s voluntary. It is not a spousal carve-out or surcharge.
Not insurance. An employer-funded Health Reimbursement Arrangement. Savings figures are historical averages; results vary.