Your health plan is carrying a cost you've never measured.
A voluntary, employee-positive strategy built on long-established insurance and benefits rules. Where the fit exists, participants come out measurably ahead — and nothing about your carrier, your plan design, your broker, or anyone else's benefits changes.
The most expensive line you've never modeled.
In most large workforces, a share of health spend is avoidable — not from misuse, but from qualifying coverage overlap nobody has quantified. Today, your plan pays as if that overlap doesn't exist.
A confidential model built from your de-identified census shows how much overlap your workforce holds, what participation is realistic, and what it's worth — before you commit to anything.
Participation is voluntary and happens only where the employee comes out ahead. Anyone who prefers the current plan keeps it, unchanged. That rule is structural, not marketing.
No carrier change, no plan redesign, no benefit cut — and no, this is not a spousal carve-out. It's the structural opposite.
Deliberately, almost nothing.
See what it's worth on your P&L.
Recovered benefits spend lands straight on operating profit — matching it through sales would take roughly $10 of new revenue at a 10% margin.
*Historical client data; results vary by workforce composition and plan design.
This does not work for every employer.
Only workforces with the right composition and plan economics qualify — and even then, only a share of employees can ever participate. That's exactly why I won't quote your number from this page: it comes from your census, or it isn't worth the meeting.
Built for employers where the number gets large.
Most engagements begin at 1,000 or more covered lives — and the program scales past 100,000. The fit is strongest where qualifying coverage overlap runs high:
The results are public. The mechanism is not.
The strategy has run for 25+ years across hundreds of employers, with formal plan documents, professional administration, and counsel review expected at every step. What it is and how it's administered are walked through privately — once fit is established and the right people are in the room. What you can verify before that meeting: the historical results above, and a model built from your own census.
One point of contact. Twenty-five years of implementation behind him.
I'm Ezra A. Gonzalez, a nationally licensed health and life insurance broker — independent of your carrier and your renewal. I bring the opportunity, model it on your own census, and stay your single point of contact, while the firm that originated the program handles documentation, enrollment, and administration — as it has for hundreds of employers over 25+ years.
Your number exists. It's sitting in your census right now.
Twenty minutes tells us whether it's worth finding. If your workforce doesn't fit, I'll say so on the call.
Free until you choose to proceed — my compensation is itemized in the model you approve.
Insurance broker? Partner with me →