ClearPlan exists to change that. We’re a modern group health broker for New Jersey employers of 25-1,000+ employees - built on a simple idea: you should be able to see the data behind your renewal, understand exactly what you’re paying for, and keep the savings when your team stays healthy. Software and AI keep answers in reach. A licensed expert shows up when a decision needs one.
Most employers get a renewal number every year with no data behind it. The plan is a black box: you can’t see your own claims, you can’t tell why the number went up, and when your team has a healthy year, the savings disappear into the carrier instead of coming back to you.
Meanwhile, most brokers show up once a year, hand over the renewal, and disappear until the next one. That’s not consulting - it’s order-taking.
We built ClearPlan to do the opposite: lead with your actual numbers, model funding structures that put healthy years back in your pocket, and stay in the relationship all year - not just at renewal. Fast analysis. Plain English. Modern tools. A licensed expert when it counts.
We show you your own claims story before we recommend anything. No pitch until the numbers say there’s a reason for one.
Best case, expected case, and worst case - all defined before you sign. The worst case is capped, not a surprise.
Quarterly claims reviews and trend analysis - so renewals stop being a surprise and start being something you manage.
Established New Jersey employers with 25-1,000+ employees who’ve taken a renewal increase in the last couple of years - dental and specialty practices, accounting and advisory firms, law firms, and margin-conscious manufacturers. We also serve employers in PA, NY, and CT.
ClearPlan is run by licensed group health benefits experts based in New Jersey. We work with a network of carriers and a general agency partner so you get institutional-grade options with a direct, responsive relationship - the kind where emails and calls get answered faster than you expect, consistently. Technology keeps the day-to-day in reach. A real expert steps in when a decision deserves one.
We don’t compete on quotes. We compete on savings, transparency, and service.
Send three documents. We’ll review your plan at no cost - usually in days - and only suggest a meeting if the numbers justify it. If they don’t, we’ll say so.
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