There’s a good chance you are over-paying
Do you know what your health care really costs?
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Get a custom portfolio of insurance & benefits
What are your true out-of-pocket costs for insurance and benefits? Many families and small businesses pay too much for insurance, or think they can’t afford to provide employee benefits. But a custom plan is likely to save you money.
Let us run the numbers. You might be surprised.
Families & Businesses
Custom plans to fit the needs of families as well as businesses with 3 to 100 employees.
Designed for your budget
Get a custom plan that gives you the most benefits based on your budget.
Information = Control
Not your typical insurance broker
- Worked as an insurance consultant since 2013, helping clients find cost-effective solutions
- 25+ years in human resources
- Experience managing both medical and dental offices
For businesses with 3 to 100 employees
We offer solutions and services that are beneficial specifically to your organization. Through our consultative approach, we never lose sight of your goals and budget.
- Fully insured group health plans (for 3-100 employees)
- Group life insurance
- Dental and vision plans
- Disability income plans
- Voluntary and supplemental plans
- Accidental death and dismemberment coverage
- Direct primary care
- Telemedicine
- Long-term care
- 401k/retirement planning
For individuals & families
What are your unique needs?
We understand that no two individuals or families have the same needs. There is no “one size fits all.” We explore your needs and customize options specifically for you or your family.
- Traditional ACA plans
- Short-term plans
- Private plans
- Direct primary care plans
- Telemedicine
- Dental and vision plans
- Life insurance
- Long-term care
- Annuities
- Financial needs analysis
- Retirement planning
GATHER INSIGHTS
Guidance for your healthcare decisions
Learn quick tips about how you can better understand and navigate the insurance and healthcare landscape, find discounts, and protect your business and your family. Get quick, smart, hard-hitting videos from your health insurance expert, Janice Kapp.
More than Death Insurance
Preventive Services
Bill Negotiation
Check out the Blog
Why Life Insurance Matters More Than You Think
Why Life Insurance Matters More Than You Think It’s time for another blog post, and this month, we’re diving into a topic that people tend to avoid—but really shouldn’t: life insurance. I get it. No one likes to talk about death or what might happen after we’re...
Off-Market Health Insurance Plans in 2026: PPO Alternatives to High ACA Premiums
Tired of Sky-High Insurance Premiums? Here’s an Affordable Alternative You May Not Know About Last week, I gave a little teaser about some alternate insurance plans—and today I want to unpack that a bit more and explain who these off-market plans might be a...
Why Health Insurance Is So Expensive Now: A Look Back at 1973 and What You Can Do Today
Why Health Insurance Is So Expensive Now: A Look Back at 1973 and What You Can Do Today Open enrollment may be behind us (unless you’ve had a qualifying life change), but I’ve been having the same conversation over and over with clients—and it’s time to shed...
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JKapp Consulting will educate you and give you the tools to understand and control insurance and healthcare costs.