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    Health & Employee Benefits Solutions

    You’ve built your business with heart and soul; we help you protect it with benefits programs designed to reduce one of your largest spends while strengthening your greatest asset, your team.

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    • Benefits Plan Design and Healthcare Cost Management

    Cut costs, boost retention, and enhance your benefits.

    • Corporate Wellness

    Enhance employee health and productivity, reduce healthcare claims.

    • Voluntary Benefits

    Personalized, life-enhancing employee-paid benefits.

    • Executive Benefits

    Provide critical financial protection for your business and it’s top performers.

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    On-call advocacy — solving benefits issues fast for your team.

    • Self-Insured
    Own your claims data and reduce costs with self-funding.
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    PBM transparency strategies that deliver real drug savings.

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    Reduce volatility and costs through captive risk sharing.

    What is a level-funded health plan?

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    Nothing is more important than getting complicated HR matters right the first time. We provide HR & Compliance support that protects your business and simplifies your workforce.

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    Automate and streamline tedious FSA, HSA, COBRA, and other administrative functions.

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    ERISA, COBRA, ACA, and other HR expertise helps you to mitigate risk and avoid hefty fines.

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    We help you source, attract, and hire the talent you need to grow your business.

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    From onboarding to off-boarding, our consultants match you with the best HR technology within your budget.

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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.

  • Blog
  • Home
  • About
    • Our Founder →
    • Meet the Team →
    • Our Process →
    • Industries We Serve →
    • Case Studies →
  • Employee Benefit Services
    • Benefits Plan Design and Healthcare Cost Management
    • Corporate Wellness
    • Voluntary Benefits
    • Executive Benefits
    • Employee Advocacy
    • Self Insured
    • PBM Management Services
    • Captive Strategies
  • HR Services
    • Fractional HR
    • Compliance
    • Recruiting Services
    • Technology
  • PHCC Members
  • Associations
  • Events & Media
    • Press & Featured In →
    • You Tube Videos and Events →
    • Webinars →
  • Resources
    • Cost Savings Overview →
    • ACA Penalty Calculator →
    • Benefits Benchmark Tool →
  • Benefits Login
  • Blog
  • Contact

Loading

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.

  • Blog
Site MapTerri Long2026-04-30T15:22:20-04:00

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EMPLOYEE BENEFITS & HR CONSULTING

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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Welcome to the New JS Benefits Group

We’ve upgraded your experience

Our new pages are designed to give you clearer, more complete information — so you can make smarter decisions about employee benefits without the guesswork.

  • Learn about more benefit options, explained clearly
  • Learn how to reduce costs without reducing coverage
  • Get details on the JS Benefits advantage

Some pages are still in progress. Check back soon for the full experience.

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.

Please fill out and submit the following form and we will contact you soon.

How can we help you?
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States, as of 2022, that have mandated insurance requirements

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.

Additional Services

Utilizing the latest technology, we offer clients a complete HRIS System that streamlines the recruiting process and includes the following features:

  • Applicant Tracking
  • Performance Management
  • Employee Branding
  • And more…

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.

Contingency Search Agreement

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.

  • Allows our clients to keep a pulse on the hidden candidate pool, giving them constant access to the type of candidates that will support their company culture and overall goals.

Retained Search Agreement

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.

  • A retained search surrounds the opportunity with prestige and authenticity, creating an allure to attract top talent to the position.