Catalytic Advisors is an education-first benefits and business advisory firm. We help employers understand their options, make informed benefits decisions, and ensure employees understand what they have and how to use it.
Employee Benefits • Benefits Education • Health Insurance • ICHRA • Voluntary Benefits • Risk Advisory
For many businesses, employee benefits are one of their largest investments. Yet employers can struggle to understand all of their options, while employees often don't fully understand the benefits they already have.
Catalytic Advisors helps close both gaps. We educate businesses about their options before decisions are made, and educate employees about their benefits after they're implemented.
We help employers understand what's available, how different approaches work, what they cost, and the tradeoffs involved. Traditional health insurance isn't always the only option.
We evaluate options against your workforce, budget, business objectives, and risk. We look beyond premiums to employer contributions, employee costs, deductibles, out-of-pocket exposure, participation, and utilization.
The objective isn't simply to buy insurance. It's to make an informed decision.
Start a benefits reviewA benefit employees don't understand is a benefit they may never fully value. We explain, in practical language:
Understand what's driving your costs and what alternatives may be available.
Explore your optionsWe'll help you understand the landscape before you make a decision.
Build your benefits strategyHealth insurance isn't the only benefit employees value. We can explore benefits that complement the coverage they already have.
Explore employee benefitsWe turn complicated insurance language into practical education employees can use.
Explore benefits educationThere are many ways to build a benefits strategy. Our job is to help you understand them.
Traditional group coverage, plan design, employer contributions, networks, and deductibles.
How employer-funded individual coverage works, and where it may or may not fit your workforce.
How these benefits complement your core benefits package.
The financial risks these benefits are designed to protect against.
Accident, critical illness, and hospital indemnity coverage that may address exposure left by major medical.
How eligible health plans and tax-advantaged savings can work together.
Whether alternative primary-care models could complement your strategy.
Risks beyond employee health benefits, and strategies for addressing them.
Benefits decisions shouldn't be based on premiums alone. We help employers see the bigger picture, then translate it into understandable choices.
Because better decisions start with understanding what the numbers actually mean.
Too often, benefits education happens once a year. Employees sit through an enrollment presentation, choose their plans, and may not think about their benefits again until they need care. We believe it should continue throughout the year.
Understand terminology, coverage choices, and financial tradeoffs.
Compare options and make more informed selections.
Understand how to actually use the benefits selected.
Reinforce important benefits, financial protection, and healthcare navigation.
Benefits shouldn't just be offered. They should be understood.
We start with your business, workforce, current benefits, costs, and challenges.
We explain the available approaches and how they work.
We examine costs, gaps, risks, workforce needs, and opportunities.
We develop a strategy that aligns benefits with your people and business.
We help employees understand what they're offered, why it matters, and how to use it.
Catalytic Advisors starts with the problem, not the product. Our approach combines healthcare economics, benefits strategy, business analysis, risk management, and education.
We don't believe employers should have to become insurance experts to make good benefits decisions. And we don't believe employees should receive a stack of benefit documents and be expected to figure everything out themselves.
Our role is to make complicated choices easier to understand.
Catalytic can complement your existing broker by taking a deeper look at your benefits strategy or strengthening employee benefits education.
A Benefits Checkup gives you an independent perspective without requiring you to replace your advisor. We'll help you identify questions worth asking, potential gaps, and opportunities worth exploring.
You don't need to know what product you're looking for. That's the point.
Answer a few questions about your business, workforce, current benefits, and challenges. We'll help you understand what options may be worth exploring.
Free. Educational. No obligation.
Start my Benefits Checkup