Lower Health Care Costs for Employers

Imagine Health Care Done Better

Together, we can build it.

Save 20–40%

Better Quality Care

Happier, Healthier Employees

A Better Way Forward

North Star Benefits is part of a growing nationwide movement of benefits advisors who are challenging the status quo and partnering with employers to put people back at the center of health care. The below video explains exactly how we are solving these problems.

Healthcare Costs Family Animated

Rising Healthcare Costs

Sources and method: Premium and worker contribution data are from KFF Employer Health Benefits Survey exports, 1999–2025. Amounts are nominal annual dollars and are not adjusted for inflation. The projected dashed line is illustrative of an average 6.0% increase across the six projected years.

Health Care Premiums Have Risen Far Faster Than Wages & Inflation

Are you tired of the usual increase in health insurance premiums every year? Paying more for less benefits? Our customers save 20% – 40% and have five star executive level benefits.

Instead of accepting double-digit increases as inevitable, we help employers take control of their health care spend without sacrificing the quality of care their people receive. The result is a smarter health plan that protects your bottom line, gives employees better benefits, and puts more of every health care dollar toward actual care instead of waste and unnecessary costs.

Poor Quality Healthcare is Hurting Your Employees

Despite spending massive amounts of money, the quality of healthcare that is delivered in the US shows poor outcomes. We know how to do better! Modern medical knowledge and technology can do more than ever. Some of the most effective medical care is inexpensive and under utilized.

The US healthcare system is set up to deliver care that has the highest profit by default. The best solutions are not always the most expensive. Navigating the healthcare system to find the best solutions takes someone who knows where the pitfalls are and where to find the best value.

The Solution Is Simple

We expect everything else in life to be easy. Dinner shows up in twenty minutes. A car shows up in five. Half of what we own got delivered to our door without us thinking twice about it. Health care hasn’t caught up.

North Star Benefits was built on what’s already working for the people ahead of this curve, employees, business owners, doctors, and health care leaders who got tired of the old playbook and decided to write a new one. What they’re proving is pretty simple: you don’t have to overpay to get good care, and you don’t have to guess whether you’re getting it. That kind of clarity is available. We can bring it to your company too.

Who Are We?

North Star Benefits is a modern health benefits advisory firm. That said, calling us a broker doesn’t really capture it, and we’ve moved well past the traditional model that term usually brings to mind.

Our team is made up of benefits strategists, data experts, and negotiators who don’t back down easily. Together they push against the old health care playbook so employers can actually run their own benefits program again.

What We Do

We dig into where your health plan and benefits program are coming up short, why that’s happening, and where the money is actually leaking out. From there, you and your team get a real path forward, one that turns you into the ones driving better care instead of just paying for it, while costs come down for the business and the people on your plan.

Paying more every year and hoping this time turns out differently isn’t a strategy. It’s what most companies end up doing anyway. We push back on the old assumptions, ask the questions a traditional broker usually skips, and put together a benefits strategy that actually works for the people relying on it.

How Do We Work?

We look after your employees and their families the same way we’d want someone looking after ours. That means real access to good care at a fair price, and it means shielding them from surprise bills, aggressive charges, and the red tape that makes health care harder than it needs to be.

As for your benefits dollars, we treat every one like it matters, because it does. Nothing gets spent just because that’s how it’s always been done. We look at where the money’s actually going and make sure it’s earning its keep.

Why We’re Different

We Are Motivated

We believe in the dignity of every person, in family and community, and in taking on the giants that stand between regular people and better health care. That belief drives everything we do.

We Are Fearless

We don’t back down from powerful corporate interests or the financial games that have taken over health care. We’ve seen how the old system works, we know where the traps are hidden, and we know how to push back against them.

We Are Honest

Most benefits advisors keep their compensation buried in the fine print and hide conflicts of interest. Not us. At North Star Benefits, we are fully transparent and have committed to the higher standards of ethics and integrity.

Health Rosetta Success Stories

City of Milwaukee

Held health care costs flat for five straight years after switching 6,500 employees to a self-insured plan, cutting spending from $139M to about $102M. Onsite clinics and value-based provider tiers funded raises and prevented layoffs.

Copper State Bolt & Nut

Cut health care spending 40% in two years — from over $500 to under $300 per employee monthly — saving $1.3M a year. A required second-opinion benefit even spared one employee from unnecessary surgery.

ETEX Telephone Co-Op

Slashed pharmacy costs 50% and saved $5,743 per employee yearly by switching to a transparent PBM and local direct primary care. Employees now pay $0 for imaging, primary care, even insulin.

Textum

This 31-employee textile maker cut first-year health costs 32% by self-funding with direct provider contracts and reference-based pricing. Pre-negotiated rates ended surprise bills and steered staff to the best providers.

Pacific Steel & Recycling

Reduced health plan costs by $3.6 million through reference-based pricing and 5,000+ direct contracts. Knee replacements dropped from $50,000 to around $20,000, at zero cost to employee-owners.

Rosen Hotels & Resorts

Saved roughly $315 million on health care since 1971, spending 50% less per person than average. Onsite care and proactive management keep opioid prescriptions at one-sixth the national rate.

Pittsburgh Schools

Pays $4,661 per member for teacher benefits versus $8,815 in Philadelphia, $199M less a year. Tiered benefits steering members to top hospitals cut hospital spending nearly 37%.

Keystone Technologies

Facing a 55% premium hike, this Missouri firm instead cut spending 25%, dropping per-employee costs from $12,000 to $9,441. An unbundled self-funded plan now covers 100% of costs.

Enovation Controls

Saves about $4,000 per covered life yearly using a transparent open network for surgeries and imaging. Employees pay zero out-of-pocket; savings near $2 million a year, reinvested into R&D.

Gasparilla Inn & Club

Cut spending 34%, $1.8 million over three years, while eliminating deductibles entirely, from $2,500 to $0. One family saves up to $10,000 a year on free imaging and primary care.

Langdale Industries

Held per-employee cost growth to 1.31% a year over a decade versus 8.83% nationally, saving $29,000 per employee. Smart use of quality data steered staff to high-value providers.

Bennett School District

Cut health care spending 33%, $1.4 million over six years, after a 21% rate hike. Unbundling the plan dropped family deductibles from $4,000 to $0. Teachers got area-only raises.

Great Lakes Auto Network

Cut health spending 38% in year one and earned a $138,000 refund, enough to double its workforce and expand from three dealerships to six. Family coverage dropped to $980.

Schedule Your Free Plan Review

If you’re a CEO, CFO, owner, HR director, superintendent, business manager, or city administrator who suspects your current plan is leaking money and underserving your people, we’ll show you what’s actually going on under the hood.

A free plan review is exactly that: free. No insurance pitch. No pressure. We’ll walk through your current plan, contracts, and claims data, and tell you honestly what’s working, what isn’t, and what’s possible if you redesigned around a high-performance framework.

Schedule a Free Plan Review