Great benefits shouldn't cost a fortune. With the right strategy, they don't.
For more than 30 years, employers across the Mid-Atlantic have trusted JS Benefits Group to design group health and employee benefit programs that contain costs and take care of their people. We’re not order-takers at renewal — we’re strategists in your corner all year long.
Serving employers in PA, NJ, NY, DE, MD & nationwide.
Years guiding employers through benefits
Employers served across the region
Typical client savings in year one
Saved by one 145-employee client
Your 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 when renewal lands on the desk. Carriers count on that inertia.
Healthcare costs are projected to climb 7–8% in 2026, yet most employers renew without ever testing the market. We take the opposite approach: shop aggressively, design smarter, and document every dollar saved — so better coverage and a healthier budget stop being a trade-off.
The numbers are staggering
Projected 2026 healthcare cost increase
Employers who renew without shopping the market
Typical JS Benefits client savings, year one
IRS penalties avoided for one NJ client
One partner. Every path to better benefits.
There’s no one-size-fits-all plan. We start with your workforce, your culture, and your budget — then build the right combination of funding strategy, cost containment, and support. Explore the pieces below.
Level-Funded Plans
Fixed monthly costs with the upside of a refund when claims run low — a smart first step toward self-funding for small and mid-sized employers.
Self-Funded Plans
Pay claims directly, see exactly what drives cost, and keep the savings when claims run favorable — with stop-loss capping your downside.
PBM Strategy
Pharmacy is the fastest-growing line in most plans. We restructure PBM contracts for true pass-through pricing and full rebate flow.
Employee Advocacy
One dedicated hotline where a real advocate fights denied claims, surprise bills, and prior-auth hurdles — so your team doesn’t have to.
HR & Compliance
ERISA, COBRA, ACA, HIPAA and more — documents, filings, and monitoring that keep you defensible and the IRS off your back.
Fully-Insured Plans
Prefer the simplicity of a fixed premium? We shop the full carrier market to make sure you’re never overpaying for the predictable option.
How we work
A consultative process, not a sales pitch.
We take the time to understand your company’s people and budget — because that’s how real results happen. Here’s what working with us looks like.
01
Discovery
We learn your workforce, culture, current plan, and goals — and pull the claims and cost data that reveal where money is leaking.
02
Strategy & Design
We model funding options, negotiate carriers, and design a plan built around lowest net cost — without cutting the coverage your people value.
03
Implementation
We handle enrollment, set up your Employee Navigator portal and app, and communicate the plan clearly so the rollout is smooth.
04
Ongoing Support
Year-round advocacy, compliance monitoring, and a documented plan for every renewal — so you stay ahead instead of reacting.
Results we can put in writing.
We deliver measurable, documented savings through smarter plan design, aggressive carrier negotiation, and compliance that prevents costly mistakes.
Saved in year one by a 145-employee Pennsylvania manufacturer.
In IRS penalties avoided by a New Jersey employer through proactive compliance.
- A credentialed team led by a founder with MBA, CLU, ChFC, RHU & SHRM-SCP
- Employee Navigator platform & mobile app for 24/7 benefits access
- A proactive, client-centered approach — every plan tailored, never one-size-fits-all
“We partner with HR Directors, CEOs, and CFOs to build benefit programs that do more than check a box — they reduce healthcare costs, elevate the employee experience, and take the compliance burden off your plate.”
Request a consultation
Let’s find the savings hiding in your plan.
Tell us about your current benefits and we’ll show you where you may be overpaying — and how a smarter strategy could lower costs without shortchanging your people. A member of our team will reach out within one business day.
