Plan Types We Offer

Every employer is different.
Your plan should be too.

There's no one-size-fits-all answer in benefits. There's only the right answer for your people, your culture, and your budget. We know every option — and we know when each one makes sense.

Funding arrangements

We know every option available to you.

Fully Insured
The traditional model. Predictable costs, carrier assumes the risk. Right for many organizations — and worth pressure-testing to make sure it still is.
Level Funded
Fixed monthly costs with the potential to share in savings. A smart middle ground for employers ready to move beyond fully insured without taking on full risk.
Partial Self-Insured
You assume more of the risk — and more of the reward. Built for employers with the cash flow and claims profile to benefit from greater control.
Captive Arrangements
Group together with other employers to share risk and administrative costs. A powerful option for the right organization at the right time.
Consortium Plans
Access the buying power of a larger group while maintaining your independence. Particularly effective for nonprofits, associations, and church groups.
ICHRA
Individual Coverage Health Reimbursement Arrangements give employers a flexible, defined contribution approach — letting employees choose their own coverage.
Not sure which one fits your situation? That's exactly what the first conversation is for.

A Two-Minute Gut Check

Which funding structure actually fits you?

Four questions. No email required. You'll get a leaning — not a recommendation — because the real answer depends on your census, your claims, and your appetite for risk. That conversation is free too.

1. How many employees are on your health plan?
2. If a single large claim hit your plan this year, what would you want?
3. How much do you want to see your own claims data?
4. How have your renewals been?

This is a starting point, not advice. The right structure depends on your actual census, claims history, and stop-loss market — which is exactly the analysis we do, at no charge, before recommending anything.

Rounding out your program

Benefits don't stop at health insurance.

Life Insurance
Group and individual coverage that protects the people your employees count on most.
Disability
Short and long-term disability coverage that keeps people whole when life doesn't go as planned.
Dental & Vision
The coverages employees notice and value — and that round out a competitive benefits package.
Critical Illness & Accident
Lump-sum protection that steps in when a serious diagnosis or unexpected injury creates financial pressure beyond what health insurance covers.
Hospital Indemnity
Cash benefits paid directly to employees during a hospital stay — helping cover the out-of-pocket costs that health insurance leaves behind.
Wellness Programs
Proactive benefits that support employee health before claims happen — reducing costs over time while showing your people you're invested in them.
Executive Benefits
Life and disability strategies designed specifically for key people and ownership transitions.
PBM Consulting
Pharmacy benefit management is one of the most overlooked cost drivers. We help you see it clearly.
Identity Theft Protection
A voluntary benefit employees increasingly expect — and one that costs employers very little to offer.
Pet Insurance
More employers are offering it. More employees are asking for it. We can help you add it cleanly.
Employee Assistance Programs
Mental health support, counseling, financial guidance, and more — resources that help employees navigate life's challenges before they affect their work.
Individual & Medicare
For employees navigating their own coverage or approaching Medicare — we guide them through it.

Every piece of your benefits program should work together. We make sure it does.

Where we really shine

A benefit your employees
actually understand is worth twice as much.

Most employees receive a benefits packet, flip through it once, and put it in a drawer. They don't understand what they have until they need it — and by then it's often too late to make the right decision.

We do something different. We write custom enrollment guides built specifically for your workforce — not generic carrier brochures. We sit down with your people in group meetings that are designed to educate, not overwhelm. We make benefits real for the people who depend on them.

When your employees understand their benefits, they use them better. And when they use them better, your costs go down and your people feel taken care of. That's not a coincidence — it's the strategy.

This is one of the areas where WardBridge operates at a level most brokers simply don't reach. If you want to see what that looks like in practice — let's talk.

WardBridge Advisors

Not sure where to start?
That's what we're here for.

We'll help you understand every option available to you — with no jargon, no pressure, and no hidden agenda.

Start a conversation
Coverage made human.