VS Benefits is a Miami-based advisory built for 10-99 employee companies and the people who run them. We shop every major A-rated carrier, translate the fine print, and hand you a plan that works on the ground - not just on paper.
Most brokers pitch. We advise. Whether you are hiring your 12th employee or shopping ACA on your own, here is where we plug in.
Fully insured, level-funded, or self-funded. We model each option against your census, claims history, and growth plan - not just first-year premium.
Our specialtySmall teams feel the price shock of the individual market. We build benefits packages that attract talent without blowing the payroll budget.
Small businessSubsidy-eligible? Most households are, and do not know it. We check every tax credit, compare networks, and make the premium math transparent.
Personal coverageIf you or a family member qualifies, we walk you through eligibility, paperwork, and what to do if circumstances change mid-year.
Public programsRound out your benefits with dental, vision, short and long-term disability, life, and critical illness - bundled for real savings.
Full coverageTax-smart strategies for freelancers, consultants, and owner-operators. We design coverage you can actually write off.
Tax-aware designNov 1, 2026 is your next chance to lock in individual or family ACA coverage. Get your documents ready.
15-30 minutes. We learn your team, your budget, and what has not worked before.
We pull quotes from every A-rated carrier that makes sense for your census and zip codes.
You see premiums, networks, out-of-pocket max, and the trade-offs in plain English.
We handle paperwork, employee communications, and year-round service. Renewals included.
"We were quoted a 22% renewal. VS Benefits pulled four alternatives, kept the same network, and we renewed flat. That is money back in payroll."
"I am a freelance designer in Miami. They actually checked every ACA subsidy I qualified for - saved me $380/month vs. the plan I almost picked myself."
"Finally a broker who picks up the phone on renewal day. My office manager no longer dreads October."
You pay nothing for our advice, quoting, or enrollment support. Carriers pay licensed advisors a standard commission that is baked into premiums whether you use a broker or not - you might as well have an advocate.
This group is too big to ignore but often too small to get real attention from the enterprise broker houses. We treat it like the core market it is. Every option - fully insured, level-funded, ICHRA - is on the table.
Yes. Many of our clients have both a group plan for employees and a separate individual or family plan for themselves or a spouse. We model which structure actually saves you money after taxes.
We will walk you through Medicaid vs. ACA subsidies and show you exactly where the income cutoffs land. If your situation changes mid-year, we are still on the other end of the phone.
Yes. We are licensed in 40+ states and quote carriers nationwide. Most of our group clients are outside Miami.
Pull up a chair. Fifteen minutes, zero pressure, and you walk away with a clear picture - whether you go with us or not.
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