Think you can’t afford benefits for your employees? Think Again.

Stop losing your top talent to competitors with better employee health insurance.

For Small Businesses

A Modern Health Benefits Platform

Whether you are currently providing benefits to your employees, need a better way of managing costs, OR are looking to provide benefits to your employees as a new offering, we’ve got you covered. is a next-gen health care platform that empowers small business owners to control and predict costs, save money and attract and retain the top talent.

Our Goal for you

Simplified Employee Health Insurance

We simplify navigating employee health insurance, ensuring you and your employees get the right services from the right partners at the best possible price. In doing so, we offer our clients the ability to do three things:

Control & Predict Cost

Discover tools and systems that control costs and keep premiums in check all while guiding members to great care.

Save Money

Our high-touch, cost-efficient platform offers employee health insurance plans that save members on deductibles and drug costs.

Acquire & Retain Talent

Attract and retain top talent with our wide range of affordable white-glove health benefits solutions.

Our Plans

Our core plans are specifically designed for the unique needs of small businesses. We offer the following level-funded plan types.

$1500/$3000 Platinum

Major Medical- Unlimited Annual Benefits

$2500/$5000 Gold

Major Medical- Unlimited Annual Benefits

$3500/$7000 Silver

Major Medical- Unlimited Annual Benefits

$5000/$1000 Bronze

Major Medical- Unlimited Annual Benefits

$7350/$14700 Copper

Major Medical- Unlimited Annual Benefits

$3500/$7000 HSA

Major Medical- Unlimited Annual Benefits

America's Choice 100

Lifetime Benefit of $500,000; Max Annual Benefit of $100,000

America's Choice 250

Lifetime Benefit of $1.25M; Max Annual Benefit of $250,000

America's Choice 500

Lifetime Benefit of $2.5M; Max Annual Benefit of $500,000

Why Breeze FMO- Joshua Zajac?

An Employer & Employee Friendly Platform

Our experience in all aspects of healthcare provider-based services allows us to design and develop a platform that is both employer and employee-friendly while allowing us to continuously provide you with the analytics necessary to help you make smarter decisions about your business and how to operate it most cost-effectively.

First, it’s important to understand the competitive landscape of health benefits.

At its most basic, the marketplace for health benefits consists of three offerings: But what’s really the difference?

Traditionally, when people talked about insurance, it was “Fully Insured”. The employer or its employee pays a premium to the insurance company in return for paying future “covered” medical claims that are beyond the “out of pocket” maximum (the amount that employees and their families will pay for that service). The totality of risk for the medical claims is borne by the insurance company. As insurance is a for-profit industry, the insurance company must cover its risk and make money. As the cost of medical care increases, so too do the premiums. In fact, according to the latest Kaiser Family Foundation Report, average annual employee contributions to premiums and total premiums for single coverage have risen nearly 22% over the past 5 years.

On the other end of the offering spectrum from traditional insurance are self-insured plans.  These health benefits plans are created by and for the employers that fund them.  In most instances, an employer will then hire professional actuaries, a plan administrator (a third party administrator) to manage the plan and contract with a reinsurance (or Stop-Loss) carrier to cover claims above a certain cost.  This Stop-Loss insurance comes at a premium for the employer.  In almost all instances, small businesses (those with less than 499 employees) find it difficult to predict with any accuracy.

Over the past 15 years,  a middle ground between “self-funded” plans and “traditional” insurance has emerged.  These “level-funded” health plans are a fairly simple type of self-funding that are designed for small businesses.  Plan providers (such as Breeze FMO- Joshua Zajac) establish a Third Party Administrator and get approved by a  stop-loss carrier who agrees to cover claims above a certain amount.  As these plans don’t need to be rated at a community level (as is the case with traditional insurance), level-funded health plans generally cost less and minimize the risk to employers, but only if the TPA knows how to balance cost-control with excellent healthcare and customer service.

happy small business team reviewing health insurance plans
small business employee benefits

Why Breeze FMO- Joshua Zajac?

Why spend more money only to lose your top talent to a competitor with better employee health insurance? Breeze FMO- Joshua Zajac provides a higher quality health plan at lower price. Breeze FMO- Joshua Zajac is a health care platform that empowers small business owners to control and predict costs, save money and attract and retain the top talent. Let Breeze FMO- Joshua Zajac give you the edge you need to win the talent arms race.

Ready to get started?

Connect with our small business health insurance consultants to learn how you can start saving money with enhanced benefits for your team.

1

Reach Out

Request a quote or schedule a call with one of our team members.  

2

Review & Select Your Plan

Review your options and select the best plan for your team.

3

Gain Peace of Mind

Feel confident knowing your team is covered.

Request a Quote Today

Let our team find the perfect plan for you and your employees.

Have questions? Need support?

© 2021 Breeze FMO- Joshua Zajac. All Rights Reserved.

Request a Quote Today

Let our team find the perfect plan for you and your employees.

Upload a census that includes the following for all eligible employees and active dependents:
  • First Name
  • Last Name
  • Email
Download a census template.

If available, also include the renewal, current plans/pricing, claims reports, and SBCs.

Learn More

Let our team answer your questions and help you find the perfect plan for you and your employees.