Employee Benefits International (EBI)

Navigating the complexities of health benefits can be overwhelming and there is a good chance that your employee benefits broker does not have the tools and the experience to adequately guide you. At EBI, we understand that choosing between a self-funded and fully insured model isn’t just a financial decision — it’s a strategic move that shapes your organization’s future in the short and long term. EBI has reshaped and re-engineered the way employers look at employee benefits. We’ve spent years analyzing industry trends, dissecting cost structures, and guiding businesses toward optimal benefit strategies. Our insights help you break down the true costs, risks, and potential savings of each model, empowering you to make informed decisions that align with your goals. What We Know: - Self-Funding: Greater flexibility and potential for savings, but comes with variable risk. - Fully Insured: Predictable costs and lower risk, but often at a higher long-term price. We put it down in black and white to make it easy to understand. EBI’s data-driven approach and personalized consultation unveil the hidden factors that can make or break your benefits strategy. From claims analytics to stop-loss insurance nuances, we provide the knowledge you need to navigate this critical choice with confidence. We are not your garden-variety employee benefits company.  We go the extra mile to solve your benefits problems.  Ready to Reimagine Your Benefits Strategy? Let us show you the EBI way to explore how your organization can unlock savings, enhance employee satisfaction, and build a more resilient future. Let's get started. Contact me today for a quick introductory call. 📧 swaldrop@ebint.com 📞 Direct: 602.800.5075 #employeebenefits #phoenixbusiness #ceo #cfo #ceoforum #cfoforum #healthcare #pricetransparency #hropportunities #mitigatepartners

70% of people in the U.S. either are maxed out or struggle to pay their current healthcare costs. That’s according to a recent survey from PwC - 2024 US Healthcare Consumer Insights and Engagement Survey. https://lnkd.in/g4d8xCWP   And those people represent your employees on your team. And guess what – if you’re providing a group healthcare plan that your business subsidizes in part or in total – those same growing costs are challenging your business and impacting your EBITDA.   And trying to understand all the data that shows the real costs? Good luck with that if you’re trying to do that on your own. It’s complex and there are layers upon layers of hidden costs in some areas, and especially when you don’t have time to dig in.   We can help. At Employee Benefits International (EBI), we specialize in understanding the real drivers of your healthcare plan costs and work closely with you to develop a portfolio of plan options that work better for you and your team. That’s correct – OPTIONS. The EBI Way is never a one-size fits all approach.    “We just received our final pricing for our Employee Benefits renewal. The EBI team has done a wonderful job. Obviously, our costs are coming down considerably, but your team has gotten us back into compliance (limiting our exposure), and also helped us finally get our Employee Handbook revisions finished. I can’t thank EBI enough! Based on the feedback from my leadership team, EBI is head and shoulders better than our prior two brokers in both professionalism and delivery of results. “ -Scott Swenson, President of Young, Swenson & Cross Paving, Inc.   It starts with a brief call. Contact us and let’s get started. 📧 swaldrop@ebint.com 📞 Direct: 602.800.5075 📍 8828 N Central Avenue, Suite 100, Phoenix, AZ 85020 #healthcare #pricetransparency #ceo #cfo #ebi #employeebenefits

Navigating the complexities of imputed income for group-term life insurance can feel overwhelming, but it’s essential to ensure compliance and optimize benefits for your team. Learn how to make the most of IRC Section 79's tax exclusion, manage employer-provided coverage, and understand the rules for dependent policies. Explore our guide on imputed income to gain clarity and stay informed. https://lnkd.in/guQKaHjZ

The the mergers and acquisitions of 2025 begin! In the HR Tech and Employee Benefit space it seems the only thing constant is change. Today, Paychex announced a definitive agreement to acquire Paycor. Here we go..... https://lnkd.in/gfm6tBtQ

Happy Holidays from the EBI Team! Ugly Christmas sweaters and a relaxing Spa'rty have our team ready to celebrate the holidays. 

#betterbenefitsbetteremployees #ebi #employeebenefits

Staying on top of the latest strategies is key! Our recent guide explores using affordability safe harbors to comply with ACA regulations and avoid penalties. Discover how these safe harbors can help you manage benefits costs effectively. 🌟 Highlights: 1️⃣ Form W-2 Safe Harbor: Affordability determined by employee W-2 wages. 2️⃣ Rate of Pay Safe Harbor: Uses hourly rates to ensure predictable contributions. 3️⃣ FPL Safe Harbor: Simplifies affordability with federal poverty guidelines. Understanding these methods ensures compliance and optimal benefits management. Learn more about how we can assist by visiting our website or reaching out directly. 📧 swaldrop@ebint.com 📞 Direct: 602.800.5075 📍 8828 N Central Avenue, Suite 100, Phoenix, AZ 85020 #EmployeeBenefitsInternational #HRCompliance #HealthCoverage

#betterbenefitsbetteremployees #ebi #employeebenefits