Employee Benefits

Benefits With a Simple Path
clean census, clear options, smooth enrollment

Business Benefits Method™ for sub-50 employers. Every renewal runs the same documented operating path — predictable and repeatable by design. One named team that knows your business.

Book an Employer Benefits Review Or call 307-284-3060

Compensation varies by carrier and placement structure; any client-paid broker or service fee is disclosed before you move forward.

VISION
Benefits built around your business
COMMITMENT
Support beyond open enrollment
CLARITY
A licensed guide for every step
SECURITY
Compliance tasks kept on track

Tell us a little about your situation and we’ll help you figure out what fits.

Schedule an Appointmentor call 307-284-3060

We respond within 1 business day.

Book an Employer Benefits ReviewOr call 307-284-3060
New for Wyoming Employers

Medical Savings Account — benefits for the employer and the employees

$0 or $600 per enrolled employee, per month

Depending on the plan you choose

Medicare-eligible employees can choose between the employer plan or the MSA

Any doctor who accepts Medicare

Broader network options

Potential to lower their out-of-pocket medical expenses

About 5–7 minutes to set up online

Offered alongside your current plan as a voluntary choice — nobody is moved without choosing it. Only Medicare-eligible employees who qualify and choose it. As they move off your commercial plan, your rates can come down.

Why use a broker

The commission is already in the rate, with a broker or without.

The carrier pays our commission and it's built into the premium.

The difference is you get multiple carriers compared instead of one, and a licensed agent on your side year-round.

We shop the market for groups looking for a new broker, groups that bought straight from a carrier, and groups setting up their first plan.

Busy small business owner desk with computer, books, and glasses
THE HIDDEN BENEFITS WORKLOAD

If no one owns the benefits work,
it becomes your work.

Renewals
Census updates
Carrier follow-ups
Plan decisions
Employee questions
Compliance reminders

No clear owner equals more work for you.

~100–200 hours/year
estimated benefits related time your team may have to manage alone

Illustrative estimate only. Actual time varies by employer size, plan complexity, carrier activity, renewal timing, service usage, and internal responsibilities. Not a quote, savings claim, rebate, compliance guarantee, or legal advice.

Business Benefits Method™

9-Step Path

A defined repeatable path organized into three phases.
We map the timeline, decision gates, owners,
And next steps before renewal work starts.
Diagnose and design phase imagery
1
Phase 1
Diagnose & Design

See where you stand and where you’re going.

  • 1
    Needs Analysis
    We review your current setup, business priorities, renewal timing, and benefits goals.
  • 2
    Sourcing Options
    We review available carrier and plan paths to identify the options worth a closer look.
  • 3
    3–5 Year Benefits Roadmap
    We build a clear direction for where your benefits program can go next.
You walk away with

A clear view of your current benefits setup, key priorities, and a practical 3–5 year direction.

Deliver and implement phase imagery
2
Phase 2
Deliver & Implement

Build it and get it live.

  • 4
    Discovery Review
    We walk through the findings, options, tradeoffs, and recommended next step.
  • 5
    Onboarding & Implementation
    We coordinate setup details, carrier requirements, and implementation steps.
  • 6
    Strategic Plan Fulfillment
    We support communications, deadlines, and plan rollout so the process keeps moving.
You walk away with

A selected benefits path, organized implementation steps, and clearer plan education for your team.

Support and renew phase imagery
3
Phase 3
Support & Renew

Year-round advocacy and next-year prep.

  • 7
    Benefits Utilization
    We help your team understand how to use the benefits program more effectively.
  • 8
    Year-Round Advocacy
    We help handle questions, changes, service issues, and next-step guidance throughout the year.
  • 9
    Renewal Analysis — 90 Days Out
    We begin renewal review early so decisions are not forced at the last minute.
You walk away with

Year-round support, cleaner records, and renewal prep started before deadline pressure builds.

One kickoff call. Clear deliverables.

One kickoff call. Clear deliverables.

Carrier partnerships

Independent Agent — Multiple Carriers

WY · ID · MT · CO · CA · TX

Independent Wyoming insurance brokerage · Chamber of Commerce Board of Directors and Membership Committee · Government Committee · SHRM member

More Options

Access to multiple carriers means more plan designs and network choices.

Unbiased Guidance

How we’re paid is disclosed in writing up front — recommendations are based on fit.

Ongoing Support

Year-round service and renewal strategy — not just during open enrollment.

Across the state

Supporting Wyoming Employers in Every Sector

Different industries·Different team sizes·One clear path to better benefits

Jackson Hole · Teton County · Star Valley · and employers across Wyoming, Idaho, Montana, Colorado, California and Texas.

Builders & trades

  • Field teams
  • Project-based
  • Seasonal

Resort &
lodging

  • Seasonal staff
  • Multi-location
  • High turnover

Engineering & pro services

  • Small firms
  • Technical teams
  • Knowledge workers

Local retail

  • Single location
  • Multi-location
  • Hourly teams

Food &
beverage

  • Kitchen teams
  • Front of house
  • Variable hours

Nonprofits

  • Mission-driven
  • Small teams
  • Limited budgets
THE HIDDEN WORKLOAD BEHIND EMPLOYEE BENEFITS

Employer benefits are easier when we organize them together.

Renewal preparation·Plan review·Open enrollment·Census support·Carrier communication·Service routing·Administrative reminders

Doing benefits alone
  • You may rush at the last minute
  • Employee questions can come from everywhere
  • Plan choices can feel confusing
  • Open enrollment can feel messy
  • Employee information may have mistakes
  • Important dates can be easy to miss
  • No one may know who owns the work
Doing benefits with Huhn Insurance
  • We help you start early with a clear plan
  • Named account owner and standard response path
  • Multi-carrier plan review where options are available
  • Coordinated open enrollment with communication support
  • Census preparation support for clean, accurate data
  • Administrative reminders for key compliance dates
  • Year-round ownership and consistent operating path
The hidden cost of benefits is time.
Employers can spend 100–200 hours/year on renewals, enrollment, and service issues
That time can represent tens of thousands in internal workload
Huhn Insurance helps centralize the work with one clear process owner
Important disclosure

These are illustrative replacement-value estimates, not fees, not savings, not a quote, and not a guarantee. Hours and dollar figures use public labor benchmarks (BLS OES May 2024 + ECEC Dec 2025) and HR/benefits outsourcing pricing ranges (2024–2026).

Read methodology, broker-vs-HR distinction, and compensation details

Licensed broker work vs ordinary HR administration

Licensed broker functions (carrier appointments, plan review, broker-of-record servicing, market access) are not the same as ordinary HR administration. The figures above represent benefits-related coordination work that would otherwise fall on an owner, HR manager, office manager, or outside vendor — not a replacement for the licensed broker role itself.

How broker-of-record compensation works

Broker compensation varies by carrier, product, state, and arrangement. In many fully insured small-group arrangements, broker compensation is built into carrier distribution or premium structures and may not change the employer's premium solely because an agency is engaged. Any client-paid broker or service fee is disclosed in writing before you move forward; ERISA Section 408(b)(2)(B) disclosure provided where required.

Review your setup and decide the next step.

Book an Employer Benefits Review

Engage now or revisit at your next renewal.

How we help

We promise a clear process.

What we control·What we don’t·How compensation works

Our Promise

We follow the same clear path every renewal.

Every year, we use the same organized process to help your team review benefits, make decisions, and get ready for enrollment.

What this means

The relationship deepens, the process gets clearer, and the work compounds over time.

What we control

We control the process.

We help with:

  • The renewal timeline
  • Employee census cleanup
  • Plan review
  • Carrier communication
  • Decision support
  • Enrollment planning
  • Follow-up after enrollment
  • Year-round service
  • Preparing for the next renewal

We make sure the steps are clear, the work is tracked, and your team knows what happens next.

What we do not control

Carriers control carrier decisions.

Insurance carriers decide things like:

  • Whether claims are approved
  • Whether prices go up or down
  • Which doctors and hospitals are in the network
  • Which plans they offer

We cannot promise what the carrier will decide. We can promise to help you understand the options and stay organized.

How compensation works

We explain how we are paid before you move forward.

Depending on the plan, we may be paid by:

  • The insurance carrier
  • A client-paid fee
  • A mix of both

If there is a fee paid by you, we explain it in writing first. No surprises.

One team, one clear path, every renewal.

Heather Huhn, licensed independent insurance agent, Huhn Insurance, Jackson Hole
Licensed
Independent Agent
Heather Huhn
Co-owner, Agent
WYIDMTCOCATX
  • Wyoming-anchored
  • Independent brokerage
  • Leading the operating path on every renewal
Read Heather’s full bio →
Artemus Huhn, co-owner, Huhn Insurance, Jackson Hole
Growth
Operations
Artemus Huhn
Co-owner, Operations
  • Leads strategic partnerships
  • Drives automation priorities
  • Builds and improves operating systems
Read Artemus’s full bio →
Where we work

Employer benefits, by area and industry

We work with employers across Wyoming, Idaho, Montana, Colorado, California and Texas. Pick your area or industry for the detail — hospitals, county employment and the questions employers there actually ask.

Star Valley, WYAfton, Thayne, Alpine, Star Valley Ranch Teton Valley, IDDriggs, Victor, Tetonia Cody & Powell, WYPark County, including Meeteetse Rock Springs & Green River, WYSweetwater County Lander & Riverton, WYFremont County, including Dubois Casper, WYNatrona County, including Mills and Evansville Cheyenne, WYLaramie County, including Pine Bluffs Gillette, WYCampbell County, including Wright Sheridan & Buffalo, WYSheridan and Johnson counties Idaho Falls, IDBonneville County, including Ammon Hospitality & TourismLodging, restaurants, resorts and outfitters — built for the season Construction & TradesContractors, framers, electricians, plumbers and excavators Professional ServicesProfessional, financial, real estate and management firms
Common questions

What employers ask before booking.

Benefits take time. We help organize renewals, employee questions, carrier follow-ups, plan choices, and enrollment so the work does not all fall back on your team.

Anytime. The best time is about 90 days before your next renewal so there is enough time to plan before deadlines get tight.

We start you on the Business Benefits Method™, our 9-step path designed to see where you currently stand and where you’re going, so we know what to build for you and how to support you year-round.

Yes. A review helps you compare your current support with the process you want.

No. The review starts with your census, your renewal date and the contribution you want to hold. From there we price the options side by side - fully insured, level-funded, ICHRA and QSEHRA - and hand you the comparison in writing. Placing anything is a separate decision, and it is yours.

Many brokers are paid by the carrier. If there is any client-paid fee, we explain it in writing before you move forward.

No, but most Wyoming employers use one. A carrier will sell you its own plan; an independent broker compares the carriers that write groups in Teton County and across the state, runs the census and the enrollment, and handles the renewal every year. How we are paid is disclosed in writing before you move forward.

Yes. Huhn Insurance can be your broker on the plan you have, help you make a change should you decide, or guide you through your first plan. Your plan, carrier, network and rates change only if you choose a change.

A traditional small-group plan, a level-funded plan, a Medical Savings Account arrangement, or a health reimbursement arrangement that lets employees buy individual plans with employer money. Voluntary dental, vision and accident coverage can sit alongside any of them. The first review shows which fits your headcount and budget.

Yes. We serve Teton County, Star Valley and the rest of Wyoming, and we are licensed in Idaho, Montana, Colorado, California and Texas for employers with staff across state lines. Reviews happen by phone or video as easily as in the office at 170 E Broadway in Jackson.

Reviewed by Heather Huhn, Licensed Independent Insurance Agent, NPN 19222086 · About Heather · Updated September 5, 2026.

Key figure. For plan years beginning in 2026, employer coverage counts as affordable under the ACA when the employee’s share of self-only coverage is no more than 9.96% of household income. Source: IRS Rev. Proc. 2025-25 — read September 5, 2026. Under Wyoming law a small employer has 2 to 50 eligible employees (W.S. 26-19-302).

Read next. Health plan options for small employers in Wyoming in 2026 · Your small-group health renewal jumped in Wyoming: what to do before you sign · What a health plan costs for a small business in Wyoming

Review your setup and decide the next step.

Book an Employer Benefits Review

Engage now or revisit at your next renewal.