Employee Benefits

Relief

Health Insurance That Doesn’t Destroy Your Budget

If premiums keep rising but coverage keeps shrinking, your benefits strategy is broken. We fix it.

What We Evaluate

Health Options We Evaluate

Traditional group health plans (fully insured)
Level-funded options (more control, potential savings)
ICHRA / defined contribution models (fixed employer cost)
Section 125 / Hospital Indemnity Plan — pre-tax structure that reduces FICA and puts more money in employees paychecks
Ancillary: dental, vision, life, disability, voluntary benefits
Pre-tax tools: HSA, FSA, and Section 125 strategies

What You Get

What You Get From a Ninja Review

Side-by-side plan comparisons (apples-to-apples)
Cost modeling and contribution strategy
Employee-friendly options (not just cheapest premiums)
Enrollment and communication support
Year-round advocacy when employees need help

FAQs

Common Questions

Will switching disrupt my employees?

We manage communication and onboarding so the transition is clear and calm.

Do I have to change everything?

No. Sometimes a few targeted changes create most of the savings.

Can we keep our doctors?

We’ll evaluate networks and options to protect access where possible.

How much does it cost to implement?

For most employers, the net cost is zero or close to it. The FICA tax savings generated by the pre-tax benefit structure offset the cost of implementation. We show you the exact numbers for your team before you commit to anything.

How long does it take to get started?

Most employers are up and running within 4 to 6 weeks. We handle the plan documentation, compliance setup, and employee communication so the transition is smooth and requires minimal time from your team.

Let’s Cut the Waste