About Strategic Benefits Advisory
A Different Way to Think About Healthcare Costs
Most employers approach healthcare the same way every year:
Renewal comes in.
Quotes are requested.
Plans are compared.
But the structure never changes.
Strategic Benefits Advisory was built on a simple idea:
There is a better way to fund healthcare—if you qualify.
We Don't Start with Quotes
Most firms begin by asking,
“Which carrier should we use?”
We ask a different question:
Is your current healthcare strategy even structured correctly?
Before evaluating plans, we analyze:
• Claims performance
• Population health
• Cost volatility
• Underwriting characteristics
Because for many organizations, the real opportunity isn’t changing carriers—
It’s changing how healthcare is funded.
Start With a Risk Assessment
Qualification is the first step.
Strategic Benefits Advisory begins by evaluating whether an employer’s population meets the criteria required for the Three-Year Rate Lock Program.
If the organization qualifies, the program can provide three years of healthcare cost stability backed by institutional capital and advanced risk management infrastructure.
Strategy First. Always.
Traditional benefits models focus on plan comparisons and negotiations.
Our approach begins with risk qualification and strategy design.
We determine:
• Whether your population is overpaying
• Whether alternative funding structures are viable
• Whether your costs align with your actual risk
Only after that do we recommend a path forward.
Beyond Insurance:
Healthcare Meets Capital Markets
Most benefits firms operate within the insurance marketplace.
Strategic Benefits Advisory operates at the intersection of:
• Healthcare
• Risk management
• Capital markets
When an employer’s population demonstrates strong underwriting characteristics,
institutional capital may be deployed to support the plan’s risk structure.
That creates opportunities most employers never see.
What This Means for Employers
Depending on qualification, this approach may allow organizations to:
• Stabilize healthcare costs
• Reduce renewal volatility
• Gain transparency into spending
• Access alternative funding strategies
• Align healthcare with long-term financial planning
For some employers, it may even mean:
locking healthcare costs for multiple years
Not Every Employer Qualifies
Sometimes the Carrier Wins.
Sometime the Business Wins.
This is important.
Because these strategies rely on underwriting discipline,
not every organization will qualify.
That’s why everything begins with a risk assessment.
Our role is simple:
Tell you the truth about your risk—and what it means.
Built on Institutional Infrastructure
We operate within a national ecosystem that includes:
• Institutional capital providers
• Specialty underwriting firms
• Vetted third-party administrators
• National provider networks
This infrastructure allows qualified employers to access funding strategies typically reserved for larger, institutional programs.
LEADERSHIP
Zachary Moyle
Founder & Strategic Advisor
Strategic Benefits Advisory was founded by Zachary Moyle, a strategic advisor with more than 20 years of experience across government relations, political strategy, nonprofit leadership, and corporate communications.
His background in analyzing behavior, risk, and decision-making now informs how organizations evaluate healthcare as a financial strategy—not just an annual expense.
With more than 20 years of leadership experience across government relations, political strategy, nonprofit leadership, and corporate communications, Moyle brings a unique perspective to complex financial and organizational challenges.
Before entering the healthcare funding space, he built a career as a political strategist and government relations advisor. A former political pollster, Moyle spent years studying how people make decisions, what drives behavior, and how organizations communicate effectively with stakeholders.
Today he applies those analytical insights to the business world, helping employers better understand the financial dynamics behind their healthcare programs and organizational strategy.
His work focuses on helping organizations move beyond the traditional insurance renewal cycle and evaluate healthcare as a risk-managed financial strategy.
NOT A BROKER.
NOT A QUOTING SHOP.
A TRUE STRATEGY PARTNER.
Strategic Benefits Advisory works with employers evaluating complex healthcare funding strategies. Our advisory services focus on the structural drivers of healthcare cost and risk.
Healthcare Funding Strategy
Evaluate whether fully insured, level-funded, self-funded, or captive structures align with your organization’s risk profile.
Claims Risk & Cost Drivers
Identify underlying claim trends including specialty drugs, chronic conditions, and high-cost utilization.
Stop-Loss & Risk Protection
Structure stop-loss coverage to protect against catastrophic claims while optimizing plan economics.
Renewal Volatility Management
Analyze population risk and funding structures to stabilize year-to-year healthcare renewal cycles.
Alternative Funding Models
Design funding strategies that move employers beyond traditional broker-driven insurance structures.
Long-Term Cost Strategy
Develop multi-year healthcare funding strategies that balance employee benefits with financial sustainability.
WHO WE WORK WITH
Strategic Benefits Advisory works with organizations of all sizes, but healthcare funding strategies often become more effective as an employer’s workforce grows and population risk becomes more predictable.
Our advisory model typically aligns with the following ranges:
1,000+ Employees
Three-Year Rate Stability Programs
Larger organizations often have the population size and claims stability required to qualify for institutional funding structures. When underwriting criteria are met, employers may access programs that lock healthcare costs for multiple years while maintaining comprehensive protection and cost control.
50+
Employees
Captive & Alternative Funding Structures
Mid-sized employers frequently benefit from alternative funding models such as captives, level-funded plans, or hybrid self-funded strategies. These approaches allow organizations to pool risk with others to improve transparency and potentially share in financial upside when claims perform well.
Under 50 Employees
ICHRA & Defined Contribution Strategies
For smaller organizations, defined contribution models such as ICHRA often provide the most efficient solution. These strategies allow employers to set a predictable healthcare budget while giving employees the flexibility to select coverage that best meets their needs.
Start With a Risk Assessment
Qualification is the first step.
Strategic Benefits Advisory begins by evaluating whether an employer’s population meets the criteria required for the Three-Year Rate Lock Program.
If the organization qualifies, the program can provide three years of healthcare cost stability backed by institutional capital and advanced risk management infrastructure.