Empower Your Budget.
Safeguard Your Team.
Our tailored plans are designed to provide essential coverage and dedicated support. Discover the right benefits for your business or connect with an advisor today.
Meet Rob
What we do
We shop the full market of top-rated carriers to design benefits packages that fit your team and budget. From group health and QSEHRAs to individual coverage and retirement planning, we handle the quoting, paperwork, and ongoing support — so you get a real advisor in your corner, not just another portal.
Who we serve
Employers & Business Owners
Fully insured, level-funded, and self-funded solutions for small to mid-sized teams.
Explore Employer Benefits
Contractors, Freelancers & Self-Employed
Health, dental, disability, and retirement options designed for 1099 professionals.
See 1099 Benefits OptionsSmarter More Affordable Health Benefits for Small Businesses
New options allow employers to set the budget, avoid surprise premium hikes, and keep any unused funds. Employees get the freedom to choose the health plan that works best for them.
For businesses with fewer than 50 employees, a QSEHRA can be a simple, flexible, and affordable way to offer valuable health benefits.
Carriers we shop
Quotes from the carriers and networks your team trusts
Razor Benefits Group is independent and not affiliated with, endorsed by, or sponsored by any single carrier. We compare quotes across the major medical and ancillary carriers your team already knows.
Why Razor Benefits Group is different
Benefits that fit your team —not just your broker's preferred carrier.
While most group insurance providers lock you into one carrier's options, Razor Benefits Group shops the full market across multiple carriers to build a benefits package that actually fits your team and your budget.
We're an independent advisory firm — which means we're not tied to any single insurance company. And when you have questions, you get a real advisor — not a portal and an 800 number.
Full-market shopping
We compare quotes from every major carrier so your plan reflects the market, not a single vendor relationship.
Truly independent
No carrier owns us, no carrier pays us bonuses. Our only loyalty is to the team we’re building benefits for.
A real human advisor
You get a named advisor you can call directly — not a chatbot, ticket queue, or generic 800 number.
Shop plans for every stage of business
From your first hire to enterprise scale, we have the network and the advisors to support you.
Wellness programs
Invest in your team's wellbeing
Programs that boost retention, morale, and outcomes — included with eligible group plans.
Explore programsWhy businesses choose us
We simplify group health insurance so you can focus on what matters most.
Save up to 30%
Compare quotes from top carriers and find the most competitive rates for your team.
Compliance Support
Stay compliant with ERISA and ACA requirements. We handle the complexity.
Dedicated Advisor
Your personal advisor helps with enrollment, renewals, and ongoing questions.
Testimonials
What our clients say
Real feedback from teams who switched to Razor Benefits Group.
Switching to Razor Benefits Group was the first time renewal season didn’t feel like a panic. They re-shopped our plan, found a better network, and our team is happier with the coverage.
I appreciated that they didn’t try to upsell us. They listened, explained the trade-offs in plain English, and let the numbers do the talking. Real advisors, not salespeople.
Our previous broker disappeared between renewals. Razor Benefits Group picks up the phone. When a claim got complicated, our advisor walked it through with HR personally.