If you’re managing your group health benefits without a dedicated broker — or if you’re unhappy with the service you’re getting from your current one — open enrollment is the ideal time to make a change.
The Transition Is Seamless
Changing brokers doesn’t require changing your health plan. You simply submit a broker of record letter — a one-page document designating your new broker — and they take over your account. Your coverage doesn’t change; only who manages it does.
Many employers don’t realize how easy this is. They stay with underperforming brokers because they assume switching is complicated. It isn’t.
You’re Not Paying More
Broker commissions are built into carrier premiums — you pay them whether you have a broker or not. If you’re going direct to a carrier or using a payroll company’s captive insurance program, you may actually be overpaying without receiving any broker services in return.
What You Get With a Dedicated Broker
- Annual competitive market analysis across multiple carriers
- Plan design guidance tailored to your specific employee group
- Open enrollment support — employee communications, Q&A sessions, enrollment processing
- Year-round availability for mid-year changes, billing issues, and claims problems
- Compliance guidance on ACA requirements, COBRA, and other obligations
What to Look for in a Broker
Choose an independent broker (not captive to one carrier), with experience in small group markets, a clear explanation of how they’re compensated, and a commitment to year-round service — not just renewal support.
Why Garden State Benefits
Paul Olah is an independent broker licensed in 26 states, with deep expertise in small group health insurance for businesses with 2–50 employees. When you call Garden State Benefits, Paul answers — no phone trees, no junior associates, no runaround.
This open enrollment, make the switch. Contact Paul directly to get started.