Concept by ATERNAConcept by ATERNA: not just a website. Leo, the AI agent built in, can take your calls, inquiries, scheduling, billing, HR, marketing and social media.
Not just a website: Meet LeoSee Leo at workAlternative ways to cover your team, on their own or alongside a traditional plan. Chris Peterson's team in Denver has spent more than ten years helping small businesses with health insurance, and it starts with a free benefits analysis.
Or call (720) 316-7806, any hour. Leo picks up.
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A MERP pays back part of what your team spends out of pocket. Want to see how it pairs with a high-deductible plan?
So some owners offer nothing, or a plan nobody is happy with. Benefits still decide who takes the job and who stays.
Source: KFF 2025 Employer Health Benefits Survey.
A traditional plan isn't the only choice. Here is what we work with, in plain English. Which one fits, if any, depends on your group, and that's what the free analysis works out.
Choose a less expensive high-deductible plan, then use a Medical Expense Reimbursement Plan to pay back part of what employees spend out of pocket. Highly customizable.
Good to know: What it reimburses, and how much, is set in the plan design. Your CPA confirms how the tax side applies to you.
One set monthly amount covers expected claims, administration and stop-loss insurance that caps the big ones. If claims come in low, some plans give part of the difference back.
Good to know: These plans are usually underwritten, so a group's health history can affect the price, and a heavy claims year can mean a higher renewal.
37% of covered workers at firms with 10 to 199 people are on a level-funded plan (KFF, 2025).
The company pays claims as they happen, with an administrator handling them and stop-loss insurance capping large ones. The most control over plan design and cost.
Good to know: Also the most exposure to a bad year, which is why self-funding is more common at larger sizes.
Customized stand-alone plans where the employer covers a set price for each health care service. Employees stay free to buy traditional insurance.
Good to know: A plan with a yearly maximum works differently from traditional major medical coverage, so we walk through what it does and doesn't pay.
Extra coverage offered through work, like dental, vision, life or disability. Employer-paid, voluntary through payroll, or a mix of both.
Good to know: Voluntary benefits cost the company little or nothing and still give your team real choices.
Not sure which one fits?
That's the point of the free analysis. Tell us about your company and we'll work it out with you.
Start the analysisHeadcount, states, what you have today, when it renews and what matters most. Five minutes on the form, or ask Leo.
Your current plan and renewal, shared through a secure link. Never by email, and never in a chat.
Customized to your situation and goals, on its own or alongside a traditional plan.
We walk through what each option does and doesn't cover before anything changes. Sometimes what you have is the right answer, and we'll say so.
Leo is on now
Leo is the AI guide for Creative Health Insurance Solutions. He explains MERPs, level-funded plans and the rest in plain English, starts your benefits analysis, books time with Chris and picks up the phone any hour. He doesn't quote plans or give insurance, tax or legal advice; those go to Chris's team.
People ask Leo
Creative Health Insurance Solutions is Chris Peterson's team in Denver, the same people who have compared PEOs for small businesses since 2012. Some companies are better off with their own plan, and some are better off inside a PEO. We look at both and tell you which.
Chris Peterson, Founder, PEO Consultants
A few details about your company is all it takes. Chris's team follows up to set a time to talk.
Please don't include employee names, health details or Social Security numbers. Any documents come later, through a secure link.
Rather talk? Call (720) 316-7806 or book a time with Chris.
Yes. The benefits analysis is free. If what you have today is the right fit, we'll tell you.
Businesses covering their employees, most often teams of about 20 to 200 people. For coverage just for yourself, HealthCare.gov is the place to start.
Often, yes. Several options sit alongside a traditional plan, like a MERP paired with a high-deductible plan, or worksite benefits on top of what you have.
We can't promise that before we see your numbers. The goal is a more affordable way to cover your people, and sometimes what you have is already the right answer. The free analysis is how you find out.
Your company, rough headcount, states, industry, what you have today and when it renews. Documents like a census or your current renewal come later, through a secure link, never by email or chat.
It carries some risk, and it works differently from a fully insured plan. Stop-loss insurance caps the large claims, but a heavy claims year can mean a higher renewal, and these plans are usually underwritten. A group with lower claims may get money back or a credit, depending on the contract. We walk through the specific terms with you.
No. Leo is an AI guide. He can explain options, start your analysis and book time with Chris, but he doesn't quote plans or give insurance, tax or legal advice. Chats and calls are recorded and saved.
