Group Health Renewals
What to Do When Your Group Health Renewal Jumps
A double-digit increase isn’t a verdict. How to read the renewal, what to ask, and when a different plan structure is worth a look.
Read articleIndependent Benefits Advisory
Health insurance is your second-biggest expense after payroll.
Let’s manage it like one.
Independent guidance for employers ready to challenge rising healthcare costs, explore smarter funding options, and protect the benefits their people depend on.
(860) 251-9288·Se habla español
Hiram Gandia Torres
Founder & Principal Broker
- $77,000
- Annual savings identified
- 93 locations
- Franchise group
- BBB
- Accredited business
- Nationwide
- Serving clients
- Español
- Se habla español
The Pillar Approach
Better benefits begin with better questions.
Most renewals arrive with a number and a deadline. We treat that number as the start of a conversation, not the end of one. Your current plan is one option, and it is rarely the only one.
01
Rethink your renewal
Explore current plan costs and challenge assumptions before accepting another increase.
02
Compare smarter alternatives
Evaluate level-funded plans, PEO structures, and other viable employee benefits options.
03
Protect what matters
Balance cost management with meaningful employee coverage and long-term business goals.
Proven Results
$77,000
Annual savings identified for a 93-location franchise group.
When conventional options fall short, independent thinking can reveal new possibilities. Explore how a challenging employer group received a fresh evaluation.
- Client
- Multi-location franchise group
- Locations
- 93
- Situation
- Difficult-to-place group
- Identified
- $77,000 in annual savings
Client-reported result, pending documentation. Results vary by group; savings are not guaranteed.
Solutions
Built around the needs of your business.
Medical · Funding
Group Health Strategy
Manage rising benefit costs while comparing coverage and funding alternatives, from fully insured to level-funded and beyond.
Learn more20+ Providers
PEO Comparison
Explore solutions across 20+ PEO providers, evaluating fit, costs, services, and benefits on equal terms.
Learn moreDental · Vision · Life
Benefits Beyond Medical
Dental, vision, life coverage, and benefits administration, including FMLA and state paid-leave support.
Learn more
A Different Kind of Advisor
You deserve an advisor who knows your business, not just your policy.
You work directly with Hiram Gandia Torres, from the first call through every renewal. He knows your numbers, explains your options without the runaround, and stays reachable when questions come up mid-year.
- A direct relationship, not a call queue
- Independent recommendations across carriers
- Clear explanations, minus the jargon
- Willing to take on difficult-to-place groups
- Full service in English and Spanish
For Individuals & Families
Medicare decisions deserve clear, personal guidance.
Turning 65 or leaving employer coverage? Speak with a licensed advisor who can help you understand the options available to you.
◆ Se habla español. Hable con un asesor.
Client Voices
Clarity you can feel confident in.
We were looking for better health coverage options for our crew, and Hiram helped us compare several group plans. He explained everything clearly and made the process straightforward for our company.
Mike
Roofing Company Owner
As a nonprofit, we have to be very careful with our budget and benefits decisions. Hiram helped us explore group coverage options and explained everything clearly so we could make the best decision for our staff.
Emily
Nonprofit Program Director
Hiram made the Medicare process much easier than I expected. He walked me through the different plans and explained everything clearly so I could choose what worked best for me.
Patricia
Medicare Client
Shared by Pillar Solutions clients. Publication subject to confirmed client permission.
Insights
Perspective for smarter decisions.
Cost Control
Level-Funded vs. Fully Insured Health Plans
How each structure handles risk, cash flow, and surplus, and which kinds of groups tend to be a fit for each.
Read article
Medicare Education
Approaching 65? Your Medicare Starting Point
The enrollment windows, the decisions that matter most, and the questions to bring to your first conversation.
Read articleYour next renewal deserves a second look.
Let’s review the numbers, explore your options, and find a strategy that works for your business.