Employee benefits for small businesses across the Northwest and Mountain West
An independent brokerage run by people who answer the phone. We shop the carriers, run your enrollment and stay on the account all year.
What we help you cover
Medical, dental, voluntary dental, vision, voluntary vision, life and AD&D, voluntary life and AD&D, disability, FSA, HSA and voluntary benefits.
Health insurance
Group medical plans, plus FSA and HSA accounts.
Read moreDental
Employer paid and voluntary dental plans.
Read moreVision
Exams, lenses, frames and contact allowances.
Read moreLife and AD&D
Group life, AD&D and voluntary buy up coverage.
Read moreDisability
Short term and long term income protection.
Read moreVoluntary benefits
Accident, critical illness, hospital indemnity and more.
Read more
How working with us goes
Five steps, and the same people handle all of them.
- Step 1
Discovery call
Give us a call or request a quote. We set up a call with you to discuss your needs and see if working together is a good fit for all.
- Step 2
Quoting and Proposals
You send a census. We shop the carriers we hold and bring back real options with the real monthly cost for your actual employees.
- Step 3
Enroll
We set up the enrollment system, load your plans, walk your people through their choices and file the elections with the carriers. We also perform an after audit of the enrollment to make sure everyone is enrolled correctly.
- Step 4
Renew
We start early, shop the market again, tell you plainly what changed and what we recommend, then run the open enrollment.
- Step 5
Support
New hires, terminations, COBRA services, ID cards, claim questions, compliance paperwork. You call the same people all year.
Why use a broker instead of buying direct?
A carrier can only show you its own plans. We hold appointments with many carriers, so we can put the options next to each other and tell you where the real differences are.
The work does not stop at the quote. Enrollment, new hires, terminations, renewals and the paperwork that follows them are the part that takes time, and that is the part we do.
When an employee has a problem with a claim or an ID card, they have a person to call who already knows the plan.
Six states, two phone numbers
We are licensed across the Northwest and Mountain West, with offices in Oregon, Washington, Montana and Utah.
- Oregon
- Washington
- California
- Montana
- Utah
- Idaho
Oregon, Washington and California503-702-7764
Montana, Utah and Idaho406-404-6378
Carriers we work with
We hold appointments with medical, dental, vision, life, disability and voluntary carriers across our six states.
Aetna · Aflac · Ameritas · Associated Industries Trust · Bitterroot Chamber of Commerce Health Plan · Cigna · Colonial Life · Guardian · Kaiser Permanente · Lincoln · MetLife · MODA · Principal · Regence Blue Cross Blue Shield · Select Health · Spirit Dental · Spirit Vision · Sun Life · Trustmark · UnitedHealthcare · Unum · WTIA
See the full carrier listLatest from the blog
Benefits news, laws and regulations, written plainly.
Tiered vs age-rated group health premiums: what Oregon and Washington employers should know
Why two employers with the same plan can see very different bills, and how to read a tiered rate sheet against an age-rated one.
New hire benefits checklist for small employers
The steps we run for every new hire so nobody misses an enrollment window.
When an employee leaves: what happens to their benefits
The termination steps employers are responsible for, and where continuation coverage comes in.
Ready for a real quote?
Send us your employee count and where your people are, and we will bring back options you can compare.
In Montana, Utah or Idaho, call 406-404-6378.
Frequently asked questions
- Which states does Your Choice Benefits serve?
- Oregon, Washington, California, Montana, Utah and Idaho, with offices in Oregon, Washington, Montana and Utah.
- Do you work with small employers?
- Yes. Small and mid-sized employer groups are the heart of the practice.
- What does a benefits broker do for an employer?
- We shop the carriers, build the plan lineup, run enrollment and renewals, answer employee questions and keep the compliance paperwork moving all year.
- Which carriers do you quote?
- Medical carriers including Regence, MODA, Kaiser Permanente, UnitedHealthcare, Aetna and Cigna, and dental, vision, life and disability carriers including Ameritas, Guardian, MetLife, Principal, Sun Life and Unum.
- How do I get a quote?
- Call 503-702-7764 for Oregon, Washington and California or 406-404-6378 for Montana, Utah and Idaho, or send the quote form. Having your employee count and locations ready speeds things up.