Your benefits.
On whose terms?

Your broker answers to the carrier. Your carrier answers to shareholders. Benefixa answers to one client — you. Independent benefits advisory, zero conflicts, and a guarantee most firms won't touch. And no — you don't have to fire your broker.

Schedule a Free Assessment See the guarantee ↓

No SSNs. No commitment. Takes minutes.

The Benefixa guarantee

1%
Our fee
10X
Minimum savings identified
$0
Your downside if we miss
We identify at least 10X our fee in savings opportunities — or we refund everything. Your downside is always zero.

From the people behind Benefixa

It's Not Personal, It's Just Healthcare — Documentary
Documentary
It's Not Personal,
It's Just Healthcare

The film exposing how benefits decisions actually get made — and who's really sitting at the table. Required viewing for any CFO who suspects the system isn't working for them. Because it isn't.

Watch the documentary →
 Broken Healthcare Podcast
Podcast
Broken Healthcare

Weekly conversations with operators, advisors, and disruptors fixing what's broken in U.S. healthcare — one employer at a time. No spin. No carrier talking points.

Listen to the podcast →

Why Benefixa

We sit on your side of the table.

1%
Supercharge your benefits. Keep your broker. We don't replace your broker — we give you the independent view they can't.

Whether you're fully-insured, self-funded, or somewhere in between, we show you the options your current team may not be incentivized to surface. We review everything — then tell you exactly what we'd do if we sat on your board.

Keep your broker. Add an independent advisor.

Transparency disclosure

If after reviewing our findings you choose to engage us as your ongoing broker, we forgive the second consulting installment and roll your first into our compensation — effectively zeroing out your consulting cost. This is disclosed at the start of every engagement. It is never a condition of our findings, and entirely your call.

What we evaluate

Every lever. No blind spots.

Most brokers optimize within the plan you already have. We start from scratch — modeling every option, benchmarking every vendor, and surfacing what's costing you most.

Carrier & network
Is your carrier earning its keep? Narrow networks cost you talent.
Funding strategy
Fully-insured vs. self-funded vs. level-funded — modeled for your risk profile.
Stop-loss & risk
Are your stop-loss terms competitive? Is your aggregate exposure sound?
PBM & Rx contracts
Pharmacy benefit managers are where money disappears quietly.
Claims analysis
MSK, diabetes, high-cost claimants — we find opportunity in your data.
Emerging strategies
DPC, centers of excellence, value-based care, concierge options.
Member experience
Benefits your employees actually rave about. Not a fantasy.
Fiduciary & compliance
ERISA, CAA, broker transparency — your exposure may surprise you.
10X your fee in savings — or you pay nothing.

For 1% of your annual healthcare spend, we independently audit your entire benefits program and deliver a clear roadmap showing you at least 10X our fee in identified savings opportunities. If we don't, we refund every dollar and waive the second installment. Your downside is always zero.

1%
Our fee
of your annual healthcare spend
10X
Minimum we identify
in savings paths — guaranteed
$0
Your downside
fully refunded if we don't deliver

ROI Calculator

What does 10X look like for you?

Adjust your annual healthcare spend to see the fee, the guaranteed savings floor, and your worst-case risk.

Annual healthcare spend
$5,000,000
Drag to adjust — or pick a preset below
If we don't identify at least $500,000 in savings, we refund your $25,000 in full and waive the second installment. Your cost: $0.
$0
Your cost if we miss
vs
10%
Minimum savings guaranteed
→
∞
Upside vs. downside
Our consulting fee (1%)
$50,000
Split 50/50 — half upfront, half on delivery
Guaranteed savings floor (10X)
$500,000
Minimum we'll identify — or we refund everything
Your cost if we miss
$0
Upfront refunded. Second installment waived.
Net savings after our fee
$450,000
If you capture the full identified savings path
The math works. What's next?
A free 30-minute conversation. Four pieces of information. A clear picture of what your benefits are actually costing you.
Schedule my free assessment →

Start here

Four things.
That's all it takes.

No names. No addresses. No SSNs. Every employer — 50 people to 5,000 — starts the same simple way.

Schedule my free assessment ↗
1
Benefit-eligible headcount How many employees qualify for benefits?
2
Participant count How many are currently enrolled?
3
SBC per plan offered Summary of Benefits & Coverage — your broker has these.
4
Invoice or tier breakdown Monthly cost by tier, or a recent carrier invoice.