Working with a benefits broker gives you a major advantage when navigating health insurance, especially for businesses or individuals trying to manage rising costs, compliance, and complex plan designs.

A benefits broker brings expertise and market knowledge to the table. Rather than trying to sort through dozens of plan options yourself, a broker shops the market for you. They compare policies from multiple carriers, identify cost-effective solutions, and explain the pros and cons of each option in plain language. This helps you avoid overpaying or choosing a plan that doesn’t fit your needs.

For employers, a broker becomes a trusted partner—not just at renewal, but throughout the year. They help with onboarding, handle claims questions, and make sure employees understand their benefits. Brokers also assist with compliance issues like ACA reporting, COBRA administration, and ERISA documentation. That reduces your legal exposure and keeps you ahead of regulatory deadlines.

Brokers are especially helpful during plan design. They work with you to create benefits packages that support your hiring and retention goals. Whether it’s level-funded plans, health savings accounts (HSAs), or voluntary benefits like dental and disability, a broker ensures everything fits your budget and workforce.

For individuals, especially seniors—brokers are equally valuable. Medicare plans, prescription coverage, and supplement options change often. A broker helps you compare plans based on your doctors, medications, and financial goals. They also help you avoid late enrollment penalties or gaps in coverage.

The best part? Using a broker typically costs you nothing. Carriers pay brokers directly, so you get the benefit of expert guidance without added fees. And if your situation changes—a new hire, a claim issue, or a family health event—your broker is just a call away.

At Franklin Benefits Group, we serve Bucks County businesses, families, and seniors with personal attention and proven results. We’re your advocate, not a sales rep. We simplify the process, manage the details, and help you get more from your coverage—year-round.

– Mike Braun

Franklin Benefits Group, LLC

What the Crozer Hospital Closure Means for Your Health Coverage
By Mike Braun, Founder of Franklin Benefits Group

The recent news about the closure of Crozer-Chester Medical Center and Taylor Hospital is upsetting—not just for the community, but especially for the staff. If you’re one of the many employees affected, I want you to know: you’re not alone, and you do have options.

When a hospital shuts down like this, a lot happens fast. One of the most urgent concerns we’re hearing is, “What happens to my health insurance?”

Here’s the tough part—COBRA won’t be available. That’s because the hospital, as your employer, is shutting down completely. But there’s some good news: you qualify for a Special Enrollment Period. That means you can still get health insurance—and we’re here to help you find a plan that fits your needs and budget.

At Franklin Benefits Group, we’ve helped workers all across Pennsylvania through unexpected transitions like this one. We’re based right here, and we know the health insurance landscape inside and out—from the Pennie® marketplace to direct-to-carrier plans.

What You Can Do Now

1. Don’t wait. The Special Enrollment Period gives you a limited window to enroll. Missing that deadline could mean going without coverage.

2. Explore your options. Some plans offer significant financial assistance based on your income and household size.

3. Get free help. We work one-on-one with Crozer employees at no cost. No fees. No catch. Just honest help from people who do this every day.

Whether you’re looking for a temporary solution or something long-term, we’ll walk you through it step by step.

Click the link below to reach out. You can call us, send a message, or fill out the short form. We’ll get back to you fast—and make sure you’re covered.

We know this isn’t an easy time. But you’ve got people in your corner.

– Mike Braun
Franklin Benefits Group, LLC