Every year, your benefits costs go up. And every year, you have to figure out a way to cover that, and still keep your employees happy.

It’s a problem that won’t fix itself. To beat it, you’ve got to have a strategy.

A multi-year, comprehensive strategy that includes three key elements:

A Financial Strategy

A Financial Strategy

Financial strategies convert high fixed costs to lower variable costs, and cap them. They can include:
HRAs with HMRAs
Personal Benefits Plans: an individual policy solution

A Tax Strategy

A Tax Strategy

Tax strategies focus on using payroll tax savings to offset benefits costs. These include:
Health Savings Accounts
Flexible Spending Accounts
Dependent Care Accounts

An Employee Well-being Strategy

An Employee Well-being Strategy

Healthy, Stress-free employees produce more and cost less. That's why an employee well-being plan is vital to control benefits costs. These include:
Employee Care Plus
Employee Wellness

If you just do those three things, the problem will be solved.

An intelligent plan design eliminates the waste inherent in group health insurance, improves employee satisfaction, and is therefore sustainable.

Everybody hates changing benefits plans.  But once you get it right, you can keep the same plan for years.  In fact, some of our clients have had the same benefits plan with us for nearly two decades.  That’s because we understand how to build in employee satisfaction and set up firewalls against insurance premium increases.  It takes experience, ingenuity and flexibility, but that’s what makes our plans sustainable.

We’ll help you do it.

Every group is different.  We know that.  So at AHR, we pride ourselves on figuring out the strategies that will work best for your company and your employees.  Never a cookie-cutter approach- we set the standard for personalized service.  This means:

  • Expert personal advice on benefit plan design, based on your budget, benefits history and employee expectations and needs.  No matter how large or small your group may be
  • Real people answering the phone, ready to help you and your employees quickly and efficiently
  • Same-day payment of claims, whether we are reimbursing employees or paying a doctor, hospital or other provider directly
  • A human touch in addition to superior technology
  • We promise: we will keep your employees happy.


When employees don’t understand their benefits, they get frustrated. That’s why we provide plans that are easy to understand and easy to use. And we provide that human touch of real people on the phone to help them when they have questions. AHR plans mean happy and satisfied employees.

Call Us To Get Answers To Any Questions You May Have!

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