ClearPlan
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For New Jersey employers of 25–250

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 25–250 employees who are tired of paying more without knowing why. We show you your own numbers, model a better way to fund them, and manage the cost down with you year over year.

Get a free, no-obligation cost analysis See how it works
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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.

Why ClearPlan

What a real benefits consultant looks like.

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Who we serve

Built for New Jersey employers of 25–250.

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
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 in thirty minutes.

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.

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Your email app should open with the request details. If it did not, email [email protected] and we’ll send the three-document checklist.