The employee benefits broker that checks everything.
Every carrier shopped. Every invoice checked. Every month.
- Billed for a former employeeMedical invoice, since August$1,284/mo
- Missing from carrier file2 September hiresFix sent
- Renewal quotes received3 of 4 carriersOn track
The problem
Health benefits are one of your largest costs, and they keep climbing.
Source: KFF 2025 Employer Health Benefits Survey.
Your broker shouldn't earn more when your plan costs more.
When broker pay is a percentage of premium, a more expensive plan pays them more. Your broker should be rewarded for bringing the number down.
Every employee should be on the right plan.
Enrollment lives in payroll, your HR system, and carrier files that don't agree with each other, so people end up uncovered or on the wrong plan.
You shouldn't pay for people who left.
Former employees can stay on carrier invoices until someone checks the bill against payroll, line by line. Most of the time, nobody does.
We don't sell software to brokers. We are the broker.
AI agents shop the market, reconcile invoices, and check enrollment around the clock. Your account lead runs the relationship, makes the calls with you, and is the person you reach when something goes wrong.
Solutions
Built for the plan you have.
Whether you buy a plan from a carrier or pay claims yourself, the work is the same: shop it, check it, and fix what's wrong.
You buy a plan from one carrier.
Every carrier shopped at renewal, plus monthly enrollment and invoice checks.
Fully insured plans → Level-fundedYou pay a fixed amount, and get money back if claims run low.
The same checks, plus making sure your year-end refund is right.
Level-funded plans → Self-fundedYou pay claims directly.
Every vendor in the plan shopped and managed, from stop-loss to pharmacy.
Self-funded plans →What you get
A plan that costs what it should, and covers who it should.
Lower total plan cost
Every vendor is re-shopped at renewal instead of rolling over by default. You get the options side by side, with the tradeoffs spelled out, like a lower premium that comes with a higher deductible for your employees.
| Option | Annual premium | Change | Deductible |
|---|---|---|---|
| Current carrier renewal | $5,478,000 | +11.8% | $1,500 |
| Carrier B Recommended | $5,106,000 | +4.2% | $1,500 |
| Carrier C | $5,042,000 | +2.9% | $2,500 |
Everyone covered correctly
Enrollment is checked against payroll every month. New hires, family changes, and departures land on the right plan, and mismatches get fixed with the carrier before they turn into denied claims.
Payroll
- M. ChenHired Sep 2
- D. OkaforEmployee + 1
- S. BrooksEmployee
Carrier file
- M. ChenMissing
- D. OkaforEmployee only
- S. BrooksEmployee
Pay only for people who should be on the plan
Every carrier and vendor invoice is reconciled line by line against payroll. Charges for people who left get caught and recovered.
| Employee | Payroll status | Billed | Result |
|---|---|---|---|
| J. Alvarez | Active | $612.40 | Matched |
| P. Nguyen | Terminated Aug 14 | $1,284.00 | Recover |
| R. Shah | Active | $612.40 | Matched |
| L. Ortiz | Active, on leave | $1,284.00 | Matched |
Always know where you stand
A monthly summary of spend, enrollment, and open issues, written for HR and finance in plain language.
How it works
Three steps, starting with a review.
Pre-renewal review
We go through your current plan, vendor contracts, and recent invoices, and show you where the money is going.
Snow becomes your broker
You appoint Snow as broker of record, the broker your carriers and vendors recognize as representing you.
We run it year-round
Monthly reconciliation and enrollment checks, issues handled as they come up, and a fully shopped renewal every year.
Questions
What employers ask first.
Who is Snow for?
Employers with fully insured, level-funded, or self-funded health plans, including companies deciding whether to switch from one type to another.
How does Snow get paid?
Like any broker, either through a commission from the carrier that's built into your premium, or through a flat fee. However we're paid, you'll see the exact amount in writing before you sign.
Do I have to switch brokers to get the review?
No. The review stands on its own. You decide afterward whether to work with us.
Will my employees notice a change?
Not unless you decide to change their plans. Changing brokers doesn't change anyone's coverage, network, or ID card by itself.
How much of my team's time does this take?
The review needs your plan documents and recent invoices. After that, we do the chasing with carriers and vendors.
Renewing in the next 12 months?
Start with a pre-renewal review. You'll see where your plan dollars go, and where they shouldn't.