Free Consultation
Takes 60 seconds
No cost. No commitment. Ever.
Employee benefits renewal specialists

Better benefits.
Lower costs.
Zero fees.

Your benefits renewal is one of the biggest controllable expenses your business faces. We negotiate on your behalf — across carriers, PEOs, and government programs — and we never charge you a cent.

$5,000
saved per employee, per year — on average
500+
companies supported by our benefit professionals
$0
cost for consultation — ever
The process
Your renewal, handled.

Most businesses auto-renew every year without ever shopping the market. We change that in four simple steps — at no cost to you.

01
Free consultation
We review your current plan, headcount, and renewal date. No paperwork, no commitment — just a conversation.
02
We shop the market
Our licensed brokers go to carriers, PEOs, and government programs to find your best options. You do nothing.
03
Clear comparison
We present every option in plain English — costs, coverage, tradeoffs. You decide. No pressure, ever.
04
Implementation support
Our partners will help you begin implementation and open enrollment — at your pace, on your timeline.
Your coverage options
Every path to better benefits.

We'll help you find the right fit for your company size, budget, and goals. Here's what's available to you.

⭐ Recommended
PEO — Grouped Benefits
Join a Professional Employer Organization and access Fortune 500-level benefits by pooling with thousands of other businesses. Stronger coverage, lower premiums.
  • Access to large-group rates — significantly lower premiums
  • Richer coverage than most small businesses can get alone
  • HR, payroll, and compliance often bundled in
  • Ideal for 10–500 employees
  • We negotiate your PEO terms on your behalf
⭐ PremiumCut by Aether Benefits
Custom Group Solution
If your team has fewer than 9 employees, you may qualify for our exclusive program — custom-structured coverage with the biggest cost savings available to small teams.
  • Specifically designed for groups under 9
  • Significant premium savings vs. standard small group
  • Custom plan structure built around your team
  • One of the most cost-effective options available
  • Ask us if you qualify — takes 5 minutes to find out
Standard option
Small Group — Direct to Carrier
Traditional fully-insured plans direct with major carriers. Best for companies who want name-brand coverage and simplicity.
  • Carriers like Cigna, Kaiser, Anthem, Blue Shield
  • Familiar plan structures — HMO, PPO, HDHP
  • Straightforward enrollment and administration
  • Premiums typically higher than alternatives
  • Less flexibility in plan design
Standard option
Covered California for Small Business
Government-backed marketplace for businesses with 1–100 employees. Regulated rates, tax advantages, multiple carrier choice.
  • State-regulated — carriers compete on price
  • Employees choose their own carrier and plan
  • Potential federal tax credits for small employers
  • California-based businesses only
  • Less customizable than private market
Client results
Real savings. Real companies.

Our benefit professionals have supported hundreds of businesses through renewals, transitions, and cost reductions.

Saved $4,200 per employee
"We had no idea we were overpaying so significantly. Aether found us a PEO arrangement that cut our premiums dramatically — and our employees actually got better coverage."
Operations DirectorTech company, 45 employees
Saved $6,800 per employee
"We qualified for the PremiumCut program and the savings were unbelievable. The whole process took less than three weeks and Aether handled everything."
CEO & FounderMarketing agency, 7 employees
Saved $3,100 per employee
"Our renewal was coming up and we just assumed we'd renew the same plan. Aether showed us options we didn't know existed. Zero cost, huge savings, couldn't recommend more."
HR ManagerConstruction firm, 82 employees
Free consultation
Talk to a benefit specialist.

Our benefit specialists can help you decide which option is right for you. Enter your details below if you're interested in a free consultation.

A licensed benefit specialist will be in touch within one business day.

Zero cost to your business
Licensed benefit professionals
We never sell your data