Pocatello & Blackfoot, IdahoLocal people. Personal benefit solutions.     (208) 238-1171

Health insurance & benefits for Idaho employers

Better benefits.
A team that
stays with you.

Find opportunities to save. Give your people better guidance. Get personal support that lasts long after renewal.

Anonymous shopping. No employee names or birthdates.
Instant tool for Idaho employers covering 1–49 employees.

Prefer a conversation? Talk with our team →
Sample employee benefits guide with a mountain landscape cover
Your options, explained.Sample
Sample proposal comparing three health plans side by side

Coverage. Costs. The details that matter.

Thoughtful benefits serviceClearer decisions for you.
A better experience for your team.

Illustrative samples. Plans and rates vary by group.

Shop thoughtfully.Fresh options every year.

Explain clearly.Know where your dollars go.

Enroll confidently.Online tools. Clear choices.

Support personally.Service between renewals.

Your business deserves our attention

Your benefits deserve
more than a
renewal meeting.

We take a hands-on approach to your benefits: learning what matters to your business, looking for ways to make your budget go further, and staying available when your team needs us.

  1. Review
  2. Compare
  3. Enroll
  4. Support
  1. 01

    A fresh look. Every year.

    We shop carriers across the market, considering traditional plans and alternative funding approaches. Your renewal gets a thoughtful review of coverage, cost, and fit.

  2. 02

    The full cost picture.

    We look beyond the premium to employer contributions, employee costs, networks, and the tradeoffs behind each option.

  3. 03

    Attention that continues.

    New hires, employee questions, enrollment changes, and your next renewal. We’re here to help you work through them.

See what personal service looks like

Good advice is easier
to see with good information.

A closer look at the tools we prepare to help you choose confidently and help employees understand what you provide.

12-page sample proposal
Three plans compared by deductible, out-of-pocket maximum, doctor costs, network, and total monthly premium

For your business

A renewal you can
actually make sense of.

Our detailed proposals bring your options together so you can see what’s changing, compare the tradeoffs, and understand where benefit dollars are going.

  • Side-by-side plans
  • Coverage & costs
  • Contribution comparisons
10-page employee guide
Employee Benefits Guide coverSample guide explains eligibility, contributions, common terms, and enrollment dates

For your people

Benefits worth offering.
Made easier to understand.

Give employees a polished guide to their choices, costs, and next steps. Help them see the value of the benefits you invest in. Put those benefits to work in your recruiting and retention conversations.

  • Clear explanations
  • Paycheck costs
  • Enrollment guidance

Illustrative 2027 samples for Idaho Sample Company. Benefits, rates, employer contributions, and payroll deductions vary by group. These examples show our work; they are not a quote.

Online enrollment & new-hire onboarding

A professional welcome.
A clearer choice.

Employee NavigatorEase

Give your team an organized, professional benefits experience. Through Employee Navigator or Ease, we help bring onboarding, plan information, and online enrollment together.

Ease / Employee enrollment example
Sample Ease screen with illustrative names and costs. Your employees’ benefits and paycheck deductions reflect your plans, contributions, and payroll schedule.
01 / For your employees

Know who’s covered.

Review benefits and choose coverage for employees and eligible family members through a guided enrollment process.

02 / For clearer decisions

See the cost per paycheck.

See the cost of each benefit and the total per pay period before completing enrollment. Give your people useful numbers alongside their choices.

03 / For your business

Bring onboarding together.

Organize new-hire tasks, benefit elections, and documents. Depending on your setup, workflows can include I-9s, W-4s, and handbook acknowledgments.

Useful technology. Personal help behind it.

We help you make the process work for your business and stay available when you or your employees need guidance.

Talk with us about online enrollment

Real people. Right here.

Your employees need answers.
We make it personal.

Our agents and support staff respond quickly, explain the next steps, and help employees work through benefits questions. You have a team to turn to, and your people have someone who will listen.

Enrollment helpCoverage questionsID cardsClaims follow-up
Meet the people behind your benefits
Matt Semons, Real Benefit Solutions agent
Matt SemonsPocatello office
Michael Semons, Real Benefit Solutions agent
Michael SemonsPocatello office
A familiar voice when you need one.Agents and support staff, working together.

Thoughtful strategies for your budget

Sometimes the better answer
is a different approach.

A buy-down strategy pairs a health plan with an employer-funded health reimbursement arrangement, or HRA. When the numbers work, lower premiums can create room to help employees with eligible out-of-pocket costs.

We help you weigh premium savings against reimbursement costs and the employee experience, so you can see whether the approach fits your business.

Explore a buy-down strategy with us

Look at the whole equation.

A lower-premium health plan

Explore a different balance of premiums and out-of-pocket costs.

An employer-funded HRA

Help reimburse eligible expenses under the arrangement’s rules.

A total-cost comparison

Consider premiums, reimbursements, administration, and employee impact.

A clear decision about whether this strategy works for your group.

Savings are not guaranteed. Plan design, funding, eligibility, and applicable requirements need to be reviewed together.

The details deserve attention, too

Bring compliance
into the conversation.

Choosing coverage is one part of managing benefits. We help you identify applicable ERISA and Department of Labor requirements, understand the next steps, and coordinate the support your plan needs.

Talk through your benefits responsibilities
  1. Know which requirements apply.
  2. Identify documents and notices.
  3. Clarify responsibilities and next steps.

Requirements vary by employer and plan. We’ll discuss the scope of assistance appropriate for your business.

Before you get started

A few questions
you may be asking.

Can I explore a group quote anonymously?

Yes. Our anonymous group shopping tool lets you explore options at your own pace. It is designed for Idaho employers covering 1–49 employees. You can connect with our team when you want help reviewing your choices.

What if my group has 50 or more employees?

Talk with our benefits team about your group and the right quoting process. The instant tool is designed for groups covering 1–49 employees.

Can you help with benefits we already offer?

Yes. We can review your current coverage, employer contributions, renewal, and priorities with you. We’ll explain the options and what a transition would involve before you decide.

Will our employees have someone to contact?

Yes. Our agents and support staff help with enrollment, benefit questions, and follow-up with the appropriate carrier or administrator. Your employees have a team to turn to throughout the year.

Are the prices in these sample documents a quote?

No. These sample documents show how we present information for an illustrative sample company. Actual rates, benefits, contributions, payroll deductions, eligibility, and availability vary. Use the instant tool or speak with us to explore options for your own group.

Your next step can be simple

See your options.
Find your benefits team.

Start with an anonymous group quote. Get personal guidance whenever you’re ready.

Instant quoting for Idaho employers covering 1–49 employees.

Get an anonymous group quote

Real Benefit Solutions · Sample library

Full group benefits proposal