Fiduciary Healthcare Consulting
Your healthcare spend is not a fixed cost. It is an unexamined one.
JB Benefits Consulting helps large employers reclaim control of their healthcare programs — with documented savings of 18–36% and zero compensation from any carrier, PBMs or TPAs.
Who We Serve
Built for employers whose healthcare spend has become a board-level concern.
We work with companies large enough to self-fund intelligently, and complex enough that their current risk management team can no longer serve them well.
If your boardroom doesn't have a decision-making process for controlling this big P&L line item, it will after engaging with us.
Organizations ready to move beyond broken self-funded arrangements and take genuine ownership of their plan economics.
Self-funded employers whose plans have accumulated years of unmanaged claims, vendor markup, and misaligned incentives.
Multi-state, multi-entity, and even international organizations requiring coordinated plan architecture across locations and populations.
Services
Three disciplines. One obligation — to you alone.
Self-Funded Plan Redesign
A complete re-engineering of your self-funded plan: administration, pharmacy, stop-loss, and provider contracts, each examined line by line and rebuilt around your interests with incentives put in place to lower employee's premiums and increase benefits.
Employee Ownership Evaluation
For the right populations, Individual Coverage HRAs allow employees customized coverage with defined-contribution economics — capping employer exposure while expanding employee choice. We help you determine where conversion makes sense, and where it doesn't.
This places employers outside the realm of being risk-managers and puts budgets back in their control.
Pre-Contracted Specialist Network
JB Benefits is a boutique firm by design. What makes our platform unique is a nationwide network of pre-contracted healthcare specialists, not brokers. These specialists are connected with independent TPAs, PBM auditors, direct care providers, and stop-loss experts assembled over three decades and answerable to no carrier.
Every specialist is solely engaged on your behalf. They all have agreed to be on our platform.
The Guarantee
Thirty days. Documented savings — or no fee.
"Within thirty days of engagement, we will identify and document material, verifiable savings in your healthcare program. If we cannot, you owe us nothing."
We can offer this because we know where the money is hidden. Thirty-two years inside the carrier and brokerage system taught us exactly where to look.
About
Thirty-two years inside the system. Now working against it.
John Butler spent more than three decades inside the carrier and brokerage system — including nearly thirty years building and owning his own brokerage before selling it in 2023.
He now works exclusively for employers. JB Benefits Consulting is paid by its clients and accepts zero compensation from any carrier, PBM, or TPA. We earn a small percentage of the savings we document. A Win/Win.
Employers are fiduciaries to their own health plan, and a fiduciary can't evaluate what was never put in front of them. The solutions we introduce often pay little to no broker commission, which is why most employers have never heard of them. Every arrangement is disclosed to you in writing. Under the Consolidated Appropriations Act, that compliance weight sits on your shoulders, not your broker's.
That fiduciary structure is not a marketing position. It is the entire premise of our firm.
The Book
The industry's playbook, written by someone who ran it.
Health Insurance Sucks is John's plain-language account of how the American health insurance system actually works — who profits, how the incentives are structured, and what employers can do about it.
One conversation. No obligation. No sales process.
The largest health and pharmacy companies in the country profit from what employers can't see. One conversation will show you what's hiding inside your plan.
If we can't help, we'll say so.