Employee Benefits That Are Designed — Not Just Renewed. Serving businesses throughout Bucks County, Montgomery County, Chester County, Delaware County, Philadelphia, Burlington County, Camden County, and Mercer County.
Rising benefit costs are often treated as inevitable. They're not.
At Fisher Horizon Business Group, we help Pennsylvania and New Jersey employers take control of employee benefits by designing plans around real employee needs, usage patterns, and business priorities — not carrier defaults. Whether you're located in Philadelphia, Bucks County, Montgomery County, Chester County, or across the river in Burlington, Camden, or Gloucester County, we understand the unique challenges facing Mid-Atlantic employers.
From manufacturing facilities in Bensalem to professional services firms in King of Prussia, construction companies in Cherry Hill to healthcare providers in Trenton, we've helped hundreds of businesses design employee benefit programs that control costs while maintaining quality coverage.
Most benefit plans are built by:
This reactive approach keeps employers stuck in an endless cycle of rising premiums and frustrated employees.
We believe benefits should be designed, not recycled.
We start by understanding:
From there, we design a benefits mix that balances:
The result is a smarter benefits strategy — not just a new carrier.
We design group health plans that reflect how employees actually access care. This may include adjusting plan structures, contribution strategies, and carrier options to improve value without sacrificing coverage.
Learn More →For many employers, traditional fully insured plans aren't the only — or best — option. Depending on your situation, we may explore:
These alternatives can offer greater control and transparency when properly designed.
Learn More →HSAs and consumer-driven plans can be powerful tools — when designed correctly. We help employers integrate these options in ways that support employee adoption while managing employer costs.
Dental, vision, life, disability, and voluntary benefits are designed as part of the overall mix — ensuring they complement your medical plan instead of adding unnecessary cost or confusion.
Our Plan Design Audit gives you clarity before renewal decisions are locked in.
No obligation. No pressure to switch brokers.
This approach works best for employers throughout Eastern Pennsylvania and South Jersey who:
Pennsylvania:
Bucks County, Montgomery County, Chester County, Delaware County, Philadelphia County, Lehigh County, Northampton County, Berks County
New Jersey:
Burlington County, Camden County, Gloucester County, Mercer County, Atlantic County, Salem County
Schedule a Plan Design Audit and discover smarter benefit options before open enrollment.
Schedule Your Plan Design Audit"On our Blue Cross Plan, Chris provided identical Blue Cross coverage and we saved $130,000 annually."
— J&S Electrical
"My previous agent gave me a 0% increase but Chris came back with 100% coverage at a savings of 35% below current."
— AT Construction
"Chris' knowledge of rolling out health benefits for over 10 years to our employees got us 100% Blue Cross coverage at 40% lower rates."
— Particle Size Technology
Request a free Plan Design Audit and discover smarter benefit options before your next renewal.
Request Your Free Plan Design Audit