Your renewal
went up again.
There's a fix.
I'm Jake Rushton, an independent benefits advisor helping companies with 200–800 employees 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. Your broker says it's the market. Your employees are confused about what they're covered for. You're not wrong to wonder if someone is actually looking out for you.
Your carrier sends a number. Your broker forwards it. Nobody explains what changed, why it went up, or what you could do differently. That's not advising. That's bill delivery.
Most brokers are paid by the carriers they recommend. The bigger your premium, the more they earn. It's not illegal, but it is a conflict of interest the industry hopes you never ask about.
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.
Most advisors reshop your plan and call it a day. 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. When good years come, the money comes back to 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 looks like in practice.
Not projections. Actual claim outcomes from real employer plans.
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: companies your size being charged enormous amounts for health plans they didn't understand.
The broker was paid by the carrier. The carrier had no incentive to lower costs. And the employer renewed every year because nobody gave them a real alternative. I shifted to health plan strategy because companies with 200 to 800 employees are the most underserved segment in the market. Big enough to make self-funding work. Small enough that the major consulting firms ignore you.
I'm independent, which means the only thing I'm optimizing for is your plan performing better.
Two ways to get started.
45 minutes. Live. I cover how the health insurance system actually works, why your premiums keep climbing, and what companies your size are doing differently. No pitch. Real education. The masterclass is the fastest way to see exactly what your plan is costing you and what to do about it.
Save your free spot →Not ready for a live session? Start with the content. I post 3 to 4 times a week on LinkedIn, YouTube, TikTok, and Instagram covering health insurance mechanics, plan strategy, and what your broker hopes you never learn.
See where I post →I speak on health insurance mechanics, plan strategy, and what employees need to know that nobody tells them. Available for podcasts, HR conferences, and corporate events. Real data, plain language.
See speaking topics →Stop guessing. Start knowing.
Join the free Health Plan Masterclass. 45 minutes. Every other Wednesday. Walk away knowing exactly what your plan is costing you and what to do about it.
The stuff your broker hopes you never see.
3 to 4 posts a week. Health insurance mechanics, plan strategy, and what employees need to know about their benefits — in plain language.
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 who it actually works for.
Fast takes. The facts your carrier doesn't want in your feed, in 60 seconds or less.
Behind the content and the mission, what it looks like to challenge a broken system every day.