Insurance Built Around Your Team

We help you design benefits plans that your employees depend on—without breaking your budget..

Talk to An Advisor
Call 781-237-1515
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Our Approach to Employee Benefits

For Growing Companies to Larger Complex Organizations
Healthcare trains you to think in 12-month increments. Renew, absorb the increase, repeat. But project that out 5 or 10 years, it's unsustainable.

We use a different approach—rooted in our Gibson Risk Improvement Planning (GRIP) methodology. It's a focus on understanding your full situation, reducing your exposure where we can, exploring all your options, and staying proactive throughout the year.

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Step 1: Review Your 
Situation

We start by understanding what's driving your costs—before we research carriers. What does your claims and utilization data show? What funding approach are you using, and have you been shown the alternatives? Where might you be exposed on compliance? You get a clear picture of where you stand and what your strategy needs to address.
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Step 2: Explore Your 
Options and Build 
Your Strategy

We walk you through funding options, pharmacy strategy, and plan design tools that fit your size, like HRAs and HSAs. We use data analytics and national benchmarking to show you where you stand against peer groups and uncover where you're overpaying.
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Step 3: We Stay On It

We track ACA filing deadlines and penalty responses, provide ongoing employee education on how to save on prescriptions and avoid $3,000 MRIs, and review claims throughout the year to adjust strategy when needed.
Image

Step 1: Review Your 
Situation

We start by understanding what's driving your costs—before we research carriers. What does your claims and utilization data show? What funding approach are you using, and have you been shown the alternatives? Where might you be exposed on compliance? You get a clear picture of where you stand and what your strategy needs to address.
Image

Step 2: Explore Your 
Options and Build 
Your Strategy

We walk you through funding options, pharmacy strategy, and plan design tools that fit your size, like HRAs and HSAs. We use data analytics and national benchmarking to show you where you stand against peer groups and uncover where you're overpaying.
Image

Step 3: We Stay On It

We track ACA filing deadlines and penalty responses, provide ongoing employee education on how to save on prescriptions and avoid $3,000 MRIs, and review claims throughout the year to adjust strategy when needed.

Why Companies Choose Deland, Gibson

For over 125 years, we've advised New England businesses with the same principle: advise first, transact second.

We Walk You Through All Your Options

We evaluate every funding strategy available—fully insured, level funded, self-funded, captive. When we find the right approach for you, we're all in. As part of the Assurex Global network, we leverage collective buying power for better pricing and access to products you might not find elsewhere.

We Take a Long-Term View

Accepting "only 12% this year" sounds reasonable—until you realize your costs have climbed 40% in three years. We help you plan for the next 5 to 10 years, pursuing strategies that control costs over time instead of just minimizing next year's increase.

We're There Year-Round


You get ongoing employee education, mid-year claims reviews, and compliance support—so you're not navigating this alone between renewals.

Real Situations, Real Advice

Lowering a 45% Increase to Only 3%

A manufacturer with 50 employees had seen costs climb 45% over three years. Their broker kept showing three fully insured quotes and saying "this is just the market." We reviewed their claims, walked them through an alternative funding approach, and restructured their plan. Renewal came in around 3%.

Uncovering Significant Pharmacy Waste

A mid-sized firm didn't know where to look for savings. We dug into their pharmacy spend and found their PBM was marking up common prescriptions significantly. By evaluating alternatives and educating employees, we helped them avoid hundreds of thousands in unnecessary spend.
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Beyond the Basics

Group health insurance for small business and mid-sized employers

Level funded and self funded health insurance options
Captive insurance programs

Pharmacy benefit management review and carve-out strategies

Plan design tools: HRAs, HSAs, 
cost-sharing approaches

Dental, vision, life, disability, and voluntary benefits
Employee benefits compliance support: ACA, COBRA, ERISA guidance

Let's Talk About What You're Really Facing

No pressure. No generic pitch. Just a conversation about where your costs are going,
what options exist for your size and industry, and whether a different approach makes sense.
We work with companies throughout Massachusetts and across New England—wherever leaders strive to do more for their people.

Confidentiality agreements avaliable upon request. We handle sensitive situations with discretion.