Most New Jersey employers get a renewal number every year - and never the claims data behind it. We’re a modern group health broker for companies of 25 to 1,000+ who are tired of paying more without knowing why. We show you your own numbers, model a better way to fund them, and drive the cost down with you year over year - software and AI to keep answers in reach, a licensed expert when a decision needs one.
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If your broker only shows up at renewal with a bigger number, that’s not a partner - that’s a bill.
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Your employees keep their doctors, their network, and their cards. What changes is who benefits when your group runs healthy - and how much you actually get to see.
Not a sales deck. The actual numbers behind your health plan, laid out so you can read them in five minutes - and honest enough to tell you when there’s nothing worth changing.
Where the money in your plan is going, what is driving the renewal, and whether a different funding structure is even worth it.
Side-by-side options with a capped worst case before you sign. You see the downside up front, not in a surprise renewal.
Not twenty confusing quotes. We cull it down to the handful that actually fit your group, side by side with what you have today.
How your plan, deductibles, and contributions stack up against similar New Jersey groups your size. You stop guessing whether your deal is fair.
Here’s the part nobody explains: most employers never get a real second look at their plan because their current broker holds the relationship with the carrier. A Broker of Record letter is how you put ClearPlan in that seat. It’s a one-page authorization naming us as your benefits broker so we can shop options and work with carriers on your behalf. We’ll walk you through it on our first call - it takes about a minute to sign.
Every group health plan already has broker compensation built into it. You’re paying it right now - it’s baked into your premium whether your broker earns it or not. When you name ClearPlan, that same money comes to us. Your cost doesn’t change by a dollar.
Here’s the part that should make you angry: most brokers collect that money and do almost none of the work it’s meant to pay for. No claims analysis. No real shopping. No check-ins between renewals. Just an email once a year with a bigger number. That’s the whole reason this feels broken - people aren’t doing the job they’re literally being paid to do.
We do the work that fee is supposed to pay for. All of it, and we do it well. That’s the entire difference - and it costs you nothing extra to have it.
The old model is a broker you see once a year, a renewal you can’t question, and a wait every time you have a question. We built a modern brokerage instead: software and AI keep your numbers and answers in reach, and a licensed expert steps in the moment a decision actually needs one.
Ask a question at 9pm and get a real answer - not a voicemail and a week of silence. Modern tools keep your plan, numbers, and options within reach year-round.
We translate the fine print into plain English. No jargon, no black box, no decision you don’t fully follow. Nothing about your plan stays hidden from you.
When a decision needs real judgment, you get a licensed benefits expert who’s guided leadership teams through exactly these calls - by phone, by email, whenever it matters. Not a junior rep reading a script.
Technology keeps you informed. A real expert shows up the moment a decision deserves one.
That’s what a modern broker should feel like. We don’t compete on quotes. We compete on savings, transparency, and service.
We work best with established companies (3+ years) who’ve taken a renewal increase in the last two years and are ready to treat their health plan like the managed expense it is. We have deep playbooks for:
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Three documents. That’s the whole ask up front.
Send three documents you already have. We’ll run a full analysis - usually in days, not weeks - and show whether a funding change looks worth a closer look. If it isn’t, we’ll email you and we won’t meet. If it is, we’ll walk you through it on a short call. No lock-in. No plan disruption while we look.
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One analysis. Your own data. No obligation. If we can’t find a better setup than what you’ve got, we’ll tell you - and you won’t owe us a meeting.
About five minutes to request. We handle the analysis. Same-day replies.
No cost, no obligation. We only meet if the numbers are worth your time.
Thanks - we’ll follow up with the three-document checklist and next steps. Expect a real person, usually the same day.