Question 1

How much does an employee benefits broker cost?

Accepted Answer

Nyala Health charges a nominal broker fee — significantly less than what most PEOs and traditional brokerage firms charge — to ensure top-quality service and full transparency. We are also compensated through carrier commissions, keeping our costs competitive while allowing us to work exclusively in your interest, not the carrier's.

Question 2

What is the difference between a PEO and an independent broker?

Accepted Answer

A PEO co-employs your workforce, bundles HR and benefits into one expensive package, and gives you little control or transparency. Most employers overpay by 20-30% without knowing it. Nyala Health works exclusively for you — we source directly from 195+ carriers, negotiate on your behalf, and give you full visibility into your plan costs and claims data. No co-employment risk. No hidden markups.

Question 3

Can a small business afford group health insurance?

Accepted Answer

Yes — and you are likely paying more than you should be. Businesses with as few as 2 employees qualify for group coverage. Nyala Health specializes in helping employers with 50-500 employees access the same cost-saving strategies that Fortune 500 companies use, including level-funded and self-funded plans that can reduce costs by 20-30% compared to traditional fully-insured plans.

Question 4

What is level-funded health insurance?

Accepted Answer

Level-funded health insurance is one of the most powerful cost-reduction tools available to mid-size employers — yet most brokers never offer it because it requires more work. You pay a fixed monthly amount, and if your claims run under budget, you get money back at the end of the year. Nyala Health proactively evaluates whether level funding is right for your group and manages the entire transition.

Question 5

How do I replace my PEO and keep employee benefits?

Accepted Answer

Leaving a PEO is one of the best financial decisions a growing employer can make — but it requires careful planning. Nyala Health specializes in PEO transitions. We benchmark your current costs against the open market, source better options from 195+ carriers, and manage the entire transition so there is zero coverage gap for your employees. Most clients see immediate cost savings.

Question 6

What is an ICHRA?

Accepted Answer

An Individual Coverage Health Reimbursement Arrangement allows employers to reimburse employees tax-free for individual health insurance premiums. It gives employees the freedom to choose their own plan while giving employers predictable fixed costs with no minimum participation requirements. Nyala Health helps employers evaluate whether an ICHRA is the right fit and manages the setup process from start to finish.

Question 7

How many carriers does Nyala Health work with?

Accepted Answer

Nyala Health has relationships with 195+ insurance carriers nationwide — far more than the average broker who typically works with a handful of preferred carriers. This breadth of market access allows us to create real competition for your business, driving better pricing and plan options that most employers never see.

Employee Benefits That Work for Your Business

How We Help Employers

Group Health Insurance

Dental & Vision Plans

Life & Disability Insurance

Level-Funded & Self-Funded Plans

Individual & Family Plans (ICHRA)

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