Employee Benefits Advisors Group

03/25/2026

To the SMB owner who just got a 12% renewal increase. Don’t sign it yet.
Every year, I see the same thing. A business with 20 or 100 employees get their renewal notice, sees a double-digit hike, and thinks
“I guess this is just the cost of doing business.”
It’s not.
In 2026 the “Standard Plan” is a losing gam for small and mid-sized companies. You’re often subsidizing the claims of massive corporations whie your own team struggles with high deductibles,
You have options that didn’t exist five years ago:
 Level-Funding: Pay for what you use, not what the carrier thinks you’ll use.
 Pharmacy Carve-outs: Stop letting “middle-men” take a 30% cut on your teams prescriptions
 Lifestyle Accounts: Attract Gen Z and Millennials with benefits they actually use (like student loan help or financial wellness) for a fraction of the cost of a premium hike
Benefits should be a tool for growth, not a drain on your EBITDA.

I’m sending out a 1-page Benefits Audit Checklist this week to help SMBs find the “leaks” in their current plan.
Want a copy? Comment “CHECKLIST” below and I’ll send it over

03/16/2026

Are you a business owner in New York concerned about the loss of your Aetna health insurance plan? Recently, I assisted a client in replacing their plan, only to find that the next closest option would cost an additional $10,000 a month compared to their current plan. This is a significant increase.

Fortunately, I found a solution for small employers with 10 or more employees to regain access to Aetna coverage. If you're interested in learning more, let's connect and discuss this further

Call now to connect with business.

10/20/2025

10/20/2025

Did your health insurance renewal give you sticker shock? I have a strategy that will:

Lower the cost of coverage for the employer
Improve the health of the workforce
Support recruiting & retention strategies
Encourage employee loyalty & productivity

I won't post it online. You’ll have to schedule a conversation with me (www.calendly.com/pgoldfarb)

09/18/2025

My clients are concerned about health insurance increases, but they know I have a lot of strategies to reduce those costs.

I have been hearing business leaders talk about how it is becoming impossible to provide health insurance for their employees. This is especially true for those who have been depending on the Healthcare Exchanges that are losing their Federal funding in 2026.

I work with strategies that not only reduce costs but convey to employees how much they are valued while also supporting your enterprise plans.

If you are feeling the pinch of increasing health insurance premiums, I would be happy to have a conversation with you

Call now to connect with business.

09/08/2025

Health insurance renewals causing worry? I want to make you into the healthcare hero! Employees are looking for essential benefits that they need, use and can afford. Your CEO wants to reduce expenses and increase profits. Can both objectives be met? Absolutely! It just takes a good understanding of employee needs and developing a long-term strategy that not just reduces premiums but shows a return on investment.

This is not just about lowering premiums. It is about showing employees you care about them by understanding how they use benefits when they are affordable and showing the CEO you can provide a program that supports his/her goals for the company's future.

I have tools that can assist you; from employee surveys, lifestyle spending accounts, wellness programs, level funding and more. Let's have a conversation. I would love to become a resource for your success:

07/01/2025

The U.S. Supreme Court upheld a vital Affordable Care Act provision on preventive care coverage, affirming the federal process governing insurance mandates under HHS authority.

06/03/2025

Did you know that by adding a properly structured wellness program you can reduce payroll tax liability, lower health insurance premiums (because healthier people submit less claims), show employees you care about them resulting in greater loyalty, retention and lower recruiting costs? Want to find out more? Schedule a meeting with me and I'll share a white paper I am working on: www.calendly.com/pgoldarb

Call now to connect with business.

11/07/2024

It's Long Term Care Month. What are you doing to support your employees, especially those who are caregivers? Offering long term care insurance via a group plan is very affordable and shows how much you care about your people. Adding a program to suppot your employees who are caregivers, no only helps retain valuable employees but increases their productivity, reduces stress and increases profit margins

11/05/2024

Have you gotten your health insurance renewal? What are you going to do (besides asking your broker to price shop) to lower this expense?

Here are some things to think about:

1. Do your employees us all the benefits you provide?
2. If not, have you considered having more than 1 plan?
3. Do you know the maximum employee contribution you can ask for without violating ACA rules?
4. Do you encourage generic drugs?
5. Do you customize benefits to employee situations?

Need some help? I'm here for you:

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09/30/2024

Medicare benefits are changing for 2025. Especially drug coverage. It is important to review your prescriptions and make sure you have the thes and most affordable coverage. If you need help, I am happy to assist. Please contact me at : pgoldfarb@seniorfinanciallife,com

05/21/2024

Drowning in health insurance costs? EBAG can help! We slash costs & design benefits that attract top talent. Get a free quote & watch your bottom line (and employee happiness) soar!