ClearPlan
For New Jersey employers of 25-250

Get the analysis your renewal email never included.

Send three documents you already have. We'll show you your real claims story, model whether a smarter way to fund your plan would actually save you money, and tell you the truth either way. No cost, no obligation, no disruption to your plan.

Built around 3 documents you already have
A real, licensed consultant replies - not a quote bot
We tell you honestly if there's no opportunity
Same-day replies

Request your free analysis

Takes about five minutes to send the documents. We do the rest.

No cost, no obligation. We only meet if the numbers are worth your time.

Before you wonder, here's the honest version.

The reasons people hesitate are fair. Here's the straight answer to each one, before you ask.

We already have a broker.

Most companies your size do. The only question worth asking: at your last renewal, did they show you the claims data behind your number, or just the number? A second opinion on your own data costs you nothing.

What's the catch with free?

There isn't one. A broker's pay is already built into your premium - you're paying it right now whether your broker earns it or not. Name us and that same money does the work it's meant to: real analysis, real shopping, real service. It costs you nothing extra.

Does signing anything lock me in?

No. The Broker of Record letter that lets us pull your data is reversible at any time - reassign it to anyone, or back to your old broker. It doesn't change your plan, your network, or your cost. It's the key to your own numbers, not a contract.

We don't have time.

That's the point. This is built around three documents you already have. We do the analysis. You only spend time with us if the numbers are worth it.

What happens next

No long process. Three steps, and you stay in control of every one.

1

Send three documents

Your current plan summary, a census, and your last renewal. That's everything we need to start.

2

We run the analysis

At no cost, on your real claims data. We model best, expected, and worst case. If there's no opportunity, we'll say so.

3

A short strategy call

Focused and fast, and only if the numbers are worth your time. You decide where it goes from there.