Your
broker
is keeping
secrets.

Is your broker working for you or benefiting from you?

20+Years of expertise

$45M+Saved for clients

18%Average cost reduction

The secret they hoped you’d never find

Your broker calls it impossible.

THE NO OUT-OF-POCKET PLAN^™

Max out of pocket: $0
Deductible: $0
Office copay / lab / X-ray: $0
Hospital outpatient / inpatient: $0
Emergency room: $0
Ambulance: $0
Chiropractic / acupuncture: $0
Generic / brand Rx: $0

We call it THE NO OUT-OF-POCKET PLAN^™!

For years, employers have been told they have three choices: employers pay more, employees pay more, or the quality of the plans is reduced. That’s bullshit. ExpertQuote created THE NO OUT-OF-POCKET PLAN^™ to deliver benefits that outperform Platinum plans at a cost comparable to Silver.

What is THE NO OUT-OF-POCKET PLAN^™?

No copays. No deductibles. No coinsurance. No maximum out-of-pocket costs. No kidding.

If your broker tells you coverage this good must cost more, they are wrong, uninformed, or inept.

Are you losing your best people?

Losing one great employee can cost $150,000 plus in recruiting, lost productivity, training, and disruption. Your benefits should give employees another reason to stay—not another reason to update LinkedIn.

What is your broker’s strategy?

Accept the renewal, raise the deductible, shift more costs to employees, come back next year, repeat until retirement.

Proof across industries

We can produce
similar savings
for your company

Biotech$1,218,949

High-growth technology$6,261,785

Aviation$3,344,961

Automotive$1,068,660

Service industries$12,388,975

Construction$2,718,409

Museums$1,752,296

Municipalities$3,548,768

Community banking$9,467,290

The math your broker can’t negotiate away

The painis nottemporaryIt compounds!

A single-digit renewal is still a major long-term problem.

At 8% annual increases:

17% more in two years
26% more in three years
47% more in five years

Compounding punishes employers who wait!

Client results

Don't take our word for it. Take theirs.

Private school

$880K

Saved in healthcare costs

“EQ is a top-notch broker and expert. They always take the time to answer our questions and provide a clear analysis of the pros and cons. We are now entering our tenth year with ExpertQuote and couldn’t be happier.”

Brian H. / Private School

Construction

Millions

Saved through a better HRA model

“They successfully implemented an HRA model that has saved us millions of dollars. Their service and support have made them an exceptional and trusted business partner.”

David S. / Construction Company

Technology

10+

Years of proactive partnership

“Our business becomes their business. They understand our financial health and aspirations, innovate in healthcare design, and provide a level of service that makes us a better place to work.”

Paul D. / Technology Company

Community bank

18%

Average cost reduction

“ExpertQuote understands the unique needs of our organization and consistently brings us thoughtful, cost-conscious options. Their team is responsive, informed, and always looking ahead.”

Denise B. / Community Bank

Business owner

Trusted

Advice without the runaround

“ExpertQuote makes a complicated process understandable. They are proactive, honest, and focused on what is best for our company and employees.”

Leslie R. / Business Owner

Healthcare

20+

Years of expertise

“The ExpertQuote team has been an invaluable partner. They combine deep expertise with exceptional service and stay with us through every decision.”

Lyna P. / Healthcare Organization

The remaining approved client stories will continue in the testimonial carousel, led by measurable results and long-term relationships.

More than a better plan

A renegade strategy is worthless without the expertise

ExpertQuote brings the people, technology, compliance support, and infrastructure to deliver the whole thing.

01 / PEOPLE

Real HR support—not another portal nobody uses.

Human Resource Services

Extensive HR resources
Compliance consulting
Benchmarking and best-practice reports

02 / TECHNOLOGY

Technology with actual humans attached.

In-House HRIS Team

App and web enrollment solutions
Dedicated technology specialists
EDI and API connections

03 / TRAINING

Train your team without putting them to sleep

Upskilling and LMS

More than 200 courses
Workplace-harassment training
Diversity and ethics education

04 / PROTECTION

IRS penalties are less funny than this website.

Benefits Compliance

ERISA compliance
ACA compliance
State and local requirements

The ExpertQuote Performance Guarantee

We put our money where our big mouth is.

ExpertQuote promises to produce meaningful savings and better benefits from day one.

If we cannot identify a substantial opportunity to reduce costs and improve your plan, we won’t take your business.

No vague promises
No commission-first recommendations
No wasting your time

Renewal review

A better renewal is possible.

We'll show you options you didn't know existed.

Info@ExpertQuote.com 408-953-1000

Yourbrokeris keepingsecrets.