Group Health Insurance
Independent group health insurance brokerage for employers who want better coverage, lower costs, and an advisor who works for them — not the carriers.
Rising premiums, opaque renewals, and one-size-fits-all plans quietly drain your budget every year. Traditional brokers often renew the same plan without ever benchmarking your costs against the market, and carriers only show you their own products. The result: employers routinely overpay by 20-30% without ever knowing a better option existed.
We shop 100+ national and regional carriers to build a group health plan that fits your workforce and your budget. Our AI-powered benchmarking shows exactly how your costs compare to similar employers and where savings are hiding. As an independent broker, our compensation is built into carrier premiums — so you get a dedicated advocate at no added cost.
We benchmark your spend against comparable employers and negotiate across 100+ carriers to drive real, measurable savings.
Attract and retain talent with robust, competitive coverage tailored to the needs of your specific workforce.
We work exclusively for you — never the carrier — so every recommendation is built around what is best for your business.
Nyala Health charges a nominal broker fee and is also compensated through carrier commissions built into plan premiums. There is no separate hourly or retainer cost, and using a broker typically reduces your total benefits spend by optimizing plan design and carrier selection.
We are appointed with 100+ national and regional carriers, including Aetna, Blue Cross Blue Shield, Cigna, UnitedHealthcare, Humana, Kaiser Permanente, Anthem, and MetLife — so we can compare the entire market on your behalf.
Employers with as few as 2 employees can access group coverage. We specialize in helping employers with 50-500 employees access the same cost-saving strategies that large enterprises use.
Yes. We work with employers on existing fully-insured plans to benchmark costs, audit renewals, and reduce premiums — switching plans is optional, but saving money is not.
We typically deliver a benchmarking analysis within 48 hours of receiving your current plan details, with no commitment required.
Research & Reporting
Curated research on where employer health costs, premiums, and policy are heading — updated as new reports land.
PwC's annual medical trend report projects an 8.5% increase for group health plans in 2026 — a rate last seen 15 years ago — driven by hospital pricing, GLP-1 drugs, and rising behavioral health claims.
KFF's Peterson Health System Tracker analyzed 318 small-group insurers' 2026 rate filings, finding proposed changes ranging from -5% to +32%, with most in the 5-15% range.
Mercer's employer survey found 2026 premiums rising 6-7%, more than double the current inflation rate, with average employer spend topping $18,000 per employee.
The Commonwealth Fund's review of insurer rate filings shows federal policy changes, including the expiration of enhanced premium tax credits, are driving substantially higher costs for 2026.
Families USA's review of 2026 rate filings found individual market rates averaging 26% higher than the prior year, with group plans facing similar underlying cost pressure.
Insights link to third-party research and are shared for informational purposes only. They are not a recommendation of any specific plan or carrier.