Your Benefits Broker Should Save You More Than They Cost.
Most employers overpay for benefits — not because they’re careless, but because they don’t have an expert in their corner at renewal time. JS Benefits Group delivers measurable, documented savings through smarter plan design, aggressive carrier negotiation, and compliance that prevents costly mistakes.
The Numbers Are Staggering.
Healthcare costs are projected to rise 7–8% in 2026, yet 67% of employers renew without ever shopping the market — because carriers count on that inertia. We don’t let that happen. From level-funded plan design to ACA compliance, our clients typically save 15–30% in year one — and every service is included at no additional cost.
Real Employers. Real Savings.
A Pennsylvania manufacturer with 145 employees saved $187,000 in year one. A New Jersey firm avoided $94,500 in IRS penalties. A Delaware healthcare organization reduced premiums by 22% — while employees actually preferred the new plan.
Find Out What You’re Leaving on the Table.
A free benefits analysis takes less than an hour and shows you exactly what your current plan is costing you — and what a smarter strategy would save. No pressure. No obligation. Just numbers.
Submit the form on the left or click here for more information.
Your Benefits Broker Should Save You More Than They Cost.
Most employers overpay for benefits — not because they’re careless, but because they don’t have an expert in their corner at renewal time. JS Benefits Group delivers measurable, documented savings through smarter plan design, aggressive carrier negotiation, and compliance that prevents costly mistakes.
The Numbers Are Staggering.
Healthcare costs are projected to rise 7–8% in 2026, yet 67% of employers renew without ever shopping the market — because carriers count on that inertia. We don’t let that happen. From level-funded plan design to ACA compliance, our clients typically save 15–30% in year one — and every service is included at no additional cost.
Real Employers. Real Savings.
A Pennsylvania manufacturer with 145 employees saved $187,000 in year one. A New Jersey firm avoided $94,500 in IRS penalties. A Delaware healthcare organization reduced premiums by 22% — while employees actually preferred the new plan.
Find Out What You’re Leaving on the Table.
A free benefits analysis takes less than an hour and shows you exactly what your current plan is costing you — and what a smarter strategy would save. No pressure. No obligation. Just numbers.
Submit the form on the left or click here for more information.
▶ Videos & Events
🎤 As Heard On
Executive Leaders Radio · Aired May 5, 2026
Featured in this episode
✓ Jennifer Schaefer — Founder & CEO, JS Benefits Group
● Dr. Ajay Nair — President, Arcadia University
● Bill Gullan — President, Finch Brands
● Cathy Young — President, Moore College of Art & Design
Executive Leaders Radio · 5/5/26
Audio not playing? Make sure the Google Drive file is shared as Anyone with the link.
New shows added twice a month
Start Here
Our most-watched explainers for employers and HR teams.
Cost Control
The renewal-season moves most companies miss — and how to claw those dollars back.
Self-Funding
A plain-English look at when self-funding saves money — and when it doesn’t.
Compliance
Avoid the ACA, ERISA, and COBRA missteps that trigger the biggest penalties.
By Topic
Smarter plan design, carrier negotiation, and the levers that actually move your spend.
Plan Design
How flexible plan design reins in spend without cutting coverage employees value.
Pharmacy
What a pharmacy benefit manager isn’t telling you — and how to find real savings.
Wellness
What the data says about wellness ROI — and how to build a program that works.
By Topic
Stay compliant and confident with quick, practical breakdowns of the rules that matter.
Compliance
Filing electronically and avoiding the errors that lead to IRS penalties.
HR
Documentation, final pay, and COBRA steps that reduce legal exposure.
Leave Law
How to handle the messy real-world leave situations that don’t fit one rule.
Full-Length
Missed a live session? Watch the complete recordings — many qualify for SHRM & HRCI credit.
Privacy & Security
How HIPAA’s privacy and security rules apply to group health plans and what employers must do to safeguard protected health information.
🎓 SHRM & HRCI Credit
Tax-Advantaged Accounts
The differences between these accounts, who qualifies, and the employer responsibilities that come with each.
🎓 SHRM & HRCI Credit
Self-Funding
When self-funding makes sense, the savings it can unlock, and the risks employers should understand before making the move.
🎓 SHRM & HRCI Credit
Subscribe for fresh benefits and HR guidance every month — straight from our team.
Questions, or want a strategy tailored to your business? Call 877-355-6070 or email info@jsbenefitsgroup.com
JS Benefits Group · Newtown, PA · Serving PA, NJ, DE, MD, NY & Nationwide
We help employers with group health insurance, compliance, cost control strategies, and employee benefits planning in NJ, MD, NY, DE, PA and the Philadelphia region.
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An employer healthcare stipend is a fixed, often taxable, amount of money provided to employees to help cover costs for individual health insurance premiums, deductibles, or copays. Unlike traditional group plans, it offers flexibility by allowing employees to select their own coverage, often used by small businesses.
The ICHRA is a low maintenance, tax-free reimbursement account that you can use as a health plan. You simply reimburse your employees tax-free for their healthcare. An ICHRA satisfies the ACA requirement and scales with your team, allowing you to offer robust attractive health benefits.
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California – the penalty for Californians who go without health insurance may be 2.5 percent of household income or $696 per adult (this number will rise yearly with inflation), whichever is larger.
Massachusetts – the tax penalty amount varies depending on your income, age and family size, but note the maximum penalty can be no more than half the price of the lowest premium plan available on the Massachusetts healthcare marketplace. For more information on Massachusetts health insurance mandates, click here.
New Jersey – the tax penalty is $695 for adults and $347.50 for each child, with a maximum family penalty of 2.5 percent of annual income. The penalty is capped at three times the adult penalty ($2,085), or the state average cost for a bronze-level plan, whichever is greater. For more information on New Jersey health insurance mandates, click here.
Vermont – Vermont has passed legislation that requires residents to have qualifying health insurance in 2020, but the penalty for non-compliance has not yet been established.
Washington, D.C. – the tax penalty is $695 for adults and $347.50 for each child, with a maximum family penalty of 2.5 percent of income, or three times the adult penalty ($2,085), whichever is greater. For more information on Washington, D.C. health insurance mandates, click here.
Utilizing the latest technology, we offer clients a complete HRIS System that streamlines the recruiting process and includes the following features:
We’ll also provide background checks, assessment tests, and act as a strong intermediary between our client and the candidate to negotiate and facilitate a successful hire.
A contingency search agreement allows us to source and present candidates for hire, however no fee is due unless you hire our candidate(s) presented.
The major advantages of a contingency search include:
Allows our clients a no-risk opportunity to test our services for less critical hires.
A retained search agreement sets forth expectations, responsibilities and outcomes between the client and JS Benefits. This exclusive arrangement allows us to devote a majority of our time and resources to finding the candidate you need, even those rare, hard-to-find candidates, when you need them.
The major advantages of a retained search include:
Guaranteed timeline for delivery of viable candidates that fit all the requirements of the position.