Guide every employee to the coverage that fits them best.

BennieGuide finds the Medicaid, Marketplace, spousal, and military coverage your people already qualify for — and walks them all the way through. Lower plan cost, without cutting anyone's coverage.

Request a savings estimate → See how it works

Built for employers with 500+ employees — and the brokers who serve them.

The pressure you're under

Health costs keep climbing — and you're paying to cover people who qualify elsewhere.

$18,500

total health benefit cost per employee in 2026

+6.7%

cost increase this year — the steepest in 15 years

~50%

of all claims come from just the top 5% of members

Sources: Mercer 2025 National Survey of Employer-Sponsored Health Plans (2026 projection); RAND analysis of U.S. health-spending distribution.

How it works

A guided path — from enrollment to confirmed coverage.

We run the whole journey so your HR team doesn't have to. Every employee gets the same review, and every employee decides for themselves.

Screen

A short, neutral questionnaire rides into your open enrollment. Answers flow in as a census file.

Identify

Our engine flags employees and dependents who may qualify for better-fit, lower-cost coverage.

Enroll

Our licensed agents reach out, lay out the options, and — if the family chooses — walk them all the way through enrollment.

Report

You get confirmed enrollments and documented savings, ready for your renewal conversation.

Five places we find coverage

Secondary Medicaid

NICU, preemie & special-needs children — the group plan stays primary, Medicaid wraps secondary.

Medicaid / CHIP

Children who qualify by household income move to no-cost public coverage.

Marketplace (family)

Dependents shift to a subsidized exchange plan via the family-glitch fix.

Spousal coverage

A spouse with their own employer offer moves to that plan.

TRICARE / VA

Military-connected families use the benefits they've already earned.

…and more

Pregnancy programs, tribal (IHS), and state programs for special circumstances — all screened the same way.

The return

≈ 8×

$235,000 in estimated annual plan savings on a $30,000 fee — about 2–3% of total health spend for a 500-life, median-wage employer.

Secondary Medicaid
$90K
Medicaid / CHIP
$60K
Spousal waivers
$40K
Marketplace (family)
$25K
TRICARE / VA
$20K

Illustrative base case. Conservative range ~$100K–$445K depending on wage profile, dependent mix, and state. Self-funded sees savings now; fully insured sees it at renewal.

For employers

Real savings, zero lift, and your people come out ahead.

You offer this as a benefit — not a cost-cut. Families genuinely save money and often get more specialized coverage, and you carry less risk on the plan.

Hard-dollar savings. Self-funded plans see avoided claims now; fully insured plans see a better renewal.
No work for HR. We handle screening, outreach, and enrollment end to end.
Compliant by design. Every conversation is voluntary, uncoached, and documented.
Good for employees. Lower out-of-pocket and better-fit coverage — you're the hero, not the penny-pincher.

Differentiate your book. Bring clients a savings lever most brokers can't.
Deepen retention. A documented, renewal-ready savings story makes you stickier at renewal.
Near-zero lift. We run the program; you stay focused on advising.
You stay the trusted advisor. BennieGuide works alongside you — the relationship stays yours.

For broker partners

A value-add your clients will thank you for.

Hand your employer clients a real, defensible saving without adding to your workload — and look great doing it. We do the work; you keep the relationship.

Partner with us →

Built to stay above-board

Savings without the exposure.

Voluntary

Uncoached

Documented

Every employee gets the same review and makes their own choice. Our agents are licensed insurance professionals. We never steer Medicare-eligible active employees off the plan, never target anyone by health status, and treat your data under HIPAA from day one.

Pricing

Simple and fixed.

$5.00

per benefit-eligible employee, per month

≈ $30,000 / year at 500 employees

No success fees. No percentage-of-savings. No surprises.
We do the screening, outreach, and enrollment — your team doesn't.
Works for self-funded, level-funded, and fully insured clients.

Get started

Request your savings estimate.

Tell us about the group and we'll turn the illustrative model into your specific number — before you commit to anything.

Ready to send a census? Email it to Proposals@BennieGuide.com and we'll return a specific estimate. We treat all data under HIPAA.