ClearPlan
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For New Jersey employers of 25-1,000+

Your health plan is the biggest line item you’ve never actually been shown.

Most New Jersey employers get a renewal number every year - and never the claims data behind it. We’re a benefits consultancy for companies of 25 to 1,000+ employees who are tired of paying more without knowing why. We show you your own numbers, model a better way to fund them, and drive the cost down with you year over year.

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Sample cost analysis
42-person law firm · New Jersey
Modeled
Modeled range, year one
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Worst case is capped before you sign - that’s the stop-loss ceiling, not a surprise.
The problem

“Just the number” isn’t a strategy.

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If your broker only shows up at renewal with a bigger number, that’s not a partner - that’s a bill.

How it works

Same monthly payment. A completely different deal.

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Your employees keep their doctors, their network, and their cards. What changes is who benefits when your group runs healthy - and how much you actually get to see.

What you get

A clear picture of your plan, on paper, in days.

Not a sales deck. The actual numbers behind your health plan, laid out so you can read them in five minutes - and honest enough to tell you when there’s nothing worth changing.

Your real claims story

Where every dollar of your plan actually goes. The data your carrier already has - and that you’ve never been handed.

A three-year cost model

Best, expected, and worst case - with the worst case capped before you sign. You see the full downside up front, not in a surprise renewal.

Two or three real options

Not twenty confusing quotes. We cull it down to the handful that actually fit your group, side by side with what you have today.

A benchmark against your peers

How your plan, deductibles, and contributions stack up against similar New Jersey groups your size. You stop guessing whether your deal is fair.

Your data, unlocked

One signature puts your own numbers back in your hands.

Here’s the part nobody explains: the reason you’ve never seen your claims data is that your current broker holds the keys to it. A Broker of Record letter is how you take them back. It’s a one-page authorization naming ClearPlan as your benefits broker, so we can pull your real numbers from the carrier and shop them on your behalf. We’ll walk you through it on our first call - it takes about a minute to sign.

What it does
Lets us pull your actual claims and plan data
Puts us to work shopping your plan across carriers
Can be reassigned or revoked anytime - you’re never stuck with us
What it doesn’t do
Doesn’t change your plan, network, doctors, or rates
Doesn’t cost you a thing
Doesn’t commit you to switching anything, or to a contract
What it costs you

Nothing. And it’s not too good to be true.

Every group health plan already has broker compensation built into it. You’re paying it right now - it’s baked into your premium whether your broker earns it or not. When you name ClearPlan, that same money comes to us. Your cost doesn’t change by a dollar.

Here’s the part that should make you angry: most brokers collect that money and do almost none of the work it’s meant to pay for. No claims analysis. No real shopping. No check-ins between renewals. Just an email once a year with a bigger number. That’s the whole reason this feels broken - people aren’t doing the job they’re literally being paid to do.

What that fee is meant to buy
A real read of your claims data, every year
Your plan actively shopped across carriers
Funding modeled to put savings back to you
Someone who answers between renewals
What most brokers actually do
Forward the carrier’s renewal number
Keep your claims data out of your hands
Go quiet until the next renewal
Collect the same fee either way

We do the work that fee is supposed to pay for. All of it, and we do it well. That’s the entire difference - and it costs you nothing extra to have it.

See what you’re really paying for
The service

You’ll never be the last to know about your own plan.

The old model is a broker you see once a year, a renewal you can’t question, and a wait every time you have a question. We built the opposite: your numbers and answers are always in reach, and a real advisor steps in the moment a decision actually needs one.

Answers the moment you need them

Ask a question at 9pm and get a real answer - not a voicemail and a week of silence. Your plan, your numbers, and your options stay within reach year-round.

You always understand what you’re getting

We translate the fine print into plain English. No jargon, no black box, no decision you don’t fully follow. Nothing about your plan stays hidden from you.

A senior advisor when it counts

When a decision needs real judgment, you get an advisor who’s guided leadership teams through exactly these calls - by phone, by email, whenever it matters. Not a junior rep reading a script.

Technology keeps you informed. A real expert shows up the moment a decision deserves one.

We don’t compete on quotes. We compete on savings, transparency, and service.

Who we serve

Built for New Jersey employers of 25-1,000+.

We work best with established companies (3+ years) who’ve taken a renewal increase in the last two years and are ready to treat their health plan like the managed expense it is. We have deep playbooks for:

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See the playbook
Why ClearPlan

What a real benefits consultant looks like.

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The offer

See your numbers.
Owe us nothing.

Send three documents. We’ll run a full analysis and model whether a funding change would actually save you money - over the next three years, not just this one. If the numbers aren’t worth your time, we’ll email you and we won’t meet. If they are, we’ll walk you through them on a quick call - we keep things short and move fast.

Start my free analysis
The process

Four steps, and we do most of them.

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Questions

The objections, answered straight.

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Get your analysis

Stop paying a number you’ve never been shown the math behind.

One analysis. Your own data. No obligation. Find out what your health plan is really costing you - and what it doesn’t have to.

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Request your free analysis

Takes 5 minutes to send the documents. We do the rest.

Get my free cost analysis

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

Request received.

Thanks - your demo request is ready. We’ll follow up with the three-document checklist and next steps.