VS Benefits is an independent health insurance advisory based in Miami, FL. We help small employers (10-99 employees), self-employed operators, and families design benefits that hold up in real life, not just on a spreadsheet.
Most small business owners get health insurance quotes from someone who will only show them the easy options. Renewal comes, rates go up, nothing gets shopped. It has been that way for decades.
VS Benefits is built around a different idea: every client should see the full market, understand the trade-offs, and keep the same advisor year after year. That is the job. Not the add-ons.
We specialize in the 10-99 employee range because that is where thoughtful design actually moves the needle. Below 10, the options narrow. Above 100, the big firms pay attention. In between, you need an advisor who will do the homework.
Began writing individual, family, and small-group policies in Florida, then expanded nationally.
After helping dozens of trades and home services owners untangle renewals, we made it the core practice.
Multi-state contractors, remote workforces, and nationwide dental chains needed someone who could keep up.
Group, individual, family, ACA, Medicaid guidance, ancillary. One advisor for the whole picture.
No carrier quotas. No pressure plans. We get paid the same by every A-rated insurer, so we recommend what actually fits.
We translate the EOB, the deductible-vs-coinsurance math, and the ICHRA fine print. If you cannot explain it, you will not use it.
Claims issue? Benefits question from an employee? You call us, not a 1-800 line. Renewals are never a surprise.
Fifteen minutes on the phone. You walk away with clarity - whether or not we end up being your advisor.
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