We don't just sell
health plans. We fix
a broken system.
40% of what employers spend on health benefits is waste — opaque pricing, misaligned incentives, and plans built for carriers, not people. As independent advisors, we design High-Performing Health Plans that redirect that waste back where it belongs: into your business, your employees' lives, and your community.
Where your healthcare dollar goes today
Nearly half of every dollar employers spend never reaches care. It's lost to a system designed around carriers and middlemen. The first step to fixing it is seeing it.
We believe employer-driven health plans are the key to lasting community change.
Healthcare spending we aim to redirect back into Utah's economy.
A not-to-exceed annual target for predictable, sustainable costs.
Every plan member connected to advanced, independent primary care.
Our principles
Align incentives
Every stakeholder should be motivated to drive better health, lower costs, and higher satisfaction. Follow the money, and you'll see who someone really works for. We don't take carrier commissions, and our flat fees never rise just because your premiums do — so you always know whose side we're on.
Put members at the center
We simplify the experience, cut through confusion, and give members the clear guidance they need to make better health and financial decisions. Every employee gets advanced primary care — a real, ongoing relationship with a provider, not a 15-minute appointment once a year.
Steward every dollar wisely
We continuously track performance, identify waste, and reinvest savings so every plan dollar creates lasting value. From international sourcing and cash-pay strategies to hands-on care navigation, we make sure your spending delivers real results for your members.
A clear route from broken to better
No mystery, no carrier playbook. Four steps that take you from today's plan to one built around your people — and we stay roped in the whole way.
Assess
We audit your current plan, claims, and spend to find exactly where the waste is hiding.
Design
We build a High-Performing Health Plan around advanced primary care and transparent pricing.
Implement
We handle rollout and onboarding, giving every member clear guidance from day one.
Steward
We track performance and reinvest savings at every renewal — so the plan keeps improving.
Hi, I'm Jen — and I'm out to fix healthcare.
Value-driven, transparent, and ethical health-plan management — the way benefits should have worked all along.
If you're an employer who's serious about offering quality benefits, wants a real strategy for one of your company's biggest expenses, and is willing to challenge the status quo — let's talk.
Most employers believe they have no control over the double-digit premium increases they face every year. That's simply not true. I specialize in true cost-containment solutions that can lower costs by 30–50% while delivering better benefits — and I put a 3–5 year strategy in place instead of shuffling you between carriers every renewal.
I've spent years in the health-insurance industry and have seen firsthand how coverage shapes a person's access to care. I started on the individual side and now focus on employee benefits, where I believe I can make the biggest dent in the root causes of America's healthcare problems. As an activist, I refuse to accept a system where insurance corporations profit billions while medical debt remains the leading cause of bankruptcy in this country.
- 🧗♀️ Lover of the outdoors
- 👩👦👦 Single mom
- 🚗 Drives an Outback
- 👑 Double-Dutch queen
- 😉 Had a "magic sandbox" as a kid
Schedule an appointment
Health insurance is how most people access healthcare — which means it's too important to be this confusing or this broken. Bring your questions; leave with a plan.
Built for the people behind the plan
Every plan we design comes down to something simple: a real person getting real care, without the runaround. Employers, their teams, and individuals across Utah — this is who we get up for.
Utah can set the national standard for healthcare access. We're proud to help lead the way.
At Alpine Peak Benefits, we're deeply rooted in Utah's entrepreneurial spirit and the thriving innovation of Silicon Slopes. We specialize in health-plan management that is value-driven, fully transparent, and ethically responsible — serving businesses, their employees, and individuals across the state.
An HR department
on call — without
hiring one.
Give your managers a direct line to SHRM-certified HR professionals, a full library of forms and policies, an AI assistant for instant answers, and real-time compliance alerts. We call it your HR Front Desk — so HR questions stop eating your day.
- SHRM-certified advisors
- Live phone + online cases
- Forms, policies & handbooks
- AI HR assistant, 24/7
A real, SHRM-certified HR expert — one phone call away.
When a manager hits a thorny situation — a termination, a leave request, a classification question, a policy gray area — they shouldn’t have to guess, or lose an afternoon to search results. They pick up the phone and talk it through with a certified HR professional. Prefer to put it in writing? Open a case online and track it to resolution.
- Certified humans, not a script. Your questions go to SHRM-certified HR professionals who do this for a living.
- Call or submit online. Reach the hotline by phone, or open and track cases online until they’re fully resolved.
- Real situations, real guidance. Hiring, terminations, leave, accommodations, handbooks, classification, conflict — the hard stuff, handled.
Everything your team needs to handle HR with confidence
Four tools, one front desk. Built to give small and midsize Utah employers the HR muscle of a much bigger company — without the overhead.
SHRM-Certified HR Hotline
Direct access to SHRM-certified HR professionals for your specific questions. Call the hotline, or submit a case online and track its progress to a timely resolution — nothing falls through the cracks.
The one we’re most excited aboutHR Resource Library
Timely HR documents, forms, hiring packets, and policy templates at your fingertips, anytime. Plus current HR news and podcasts, so your team stays sharp without the hassle of hunting things down.
AI HR Assistant
Instant, accurate answers to everyday HR questions, 24/7. Our AI assistant draws on a proprietary HR database to give real-time responses — so simple questions get handled the moment they come up.
Compliance & HR Alerts
Stay ahead of change. Real-time alerts on regulatory shifts and compliance updates keep you informed and ready to make decisions — and keep your business running smoothly.
Stop letting HR questions run your day
For most small and midsize employers, HR isn’t someone’s whole job — it’s squeezed in between everything else. That’s how questions get answered with a best guess, policies drift, and small issues quietly turn into expensive ones. Your HR Front Desk gives that work a home.
- Hours back in your weekManagers get answers fast instead of digging through search results or waiting on a callback.
- Lower compliance riskGuidance from certified pros, plus proactive alerts so you’re not blindsided by a rule change.
- Consistency and fairnessDocumented policies and handbooks, applied the same way for everyone — every time.
- Confidence in the hard momentsTerminations, leave, and accommodations handled correctly, with an expert in your corner.
Your HR Front Desk, in full
Up and running in three steps
Talk to us
A quick call to understand your team, your headcount, and the HR headaches you run into most.
Get set up
We provision your HR Front Desk and hotline access, and load the documents and templates your team needs.
Put it to work
Your managers call the hotline, open cases online, pull documents, and ask the AI assistant — from day one.
HR Support, answered
SHRM-certified HR professionals — people who handle employment and HR questions for a living. You’re not getting a chatbot or a call-center script when you call the hotline; you’re getting a credentialed expert.
No. The hotline provides HR guidance and best practices, not legal advice. For matters that need an attorney, your advisor will tell you plainly and help you understand when it’s time to involve counsel.
The hotline is there during business hours for live conversations, and online cases are tracked through to resolution so nothing gets lost. For quick, everyday questions, the AI HR assistant is available 24/7.
Any Utah employer — but it’s especially valuable for small and midsize companies that don’t have a dedicated HR department, or that have one person wearing the HR hat among many others.
It supports them. If you have someone handling HR, this gives them certified backup, a document library, and an AI assistant. If you don’t, it stands in as your front line for HR questions and resources.
It depends on your team size, and it’s designed to pair with your benefits. The simplest path is a short call — tell us about your team and we’ll walk you through what it looks like for you.
Give your team an HR expert on speed dial
Tell us about your company and the HR questions that come up most. We’ll show you how the HR Front Desk — and your SHRM-certified hotline — fits in.
Group health that
works for your
business and your people.
Most employer health spend is built around carriers and middlemen — not your team. As independent advisors, we design High-Performing Health Plans that cut the waste, protect your budget, and put real care within reach for every member.
- Independent — not carrier-owned
- Plans built around your people
- Flat fees, not premium-based commissions
- Member advocacy built in
A smarter way to fund your team’s health
We start with how your dollars actually flow — then redesign the plan so more of every dollar reaches care, and less disappears into the system.
Plan strategy & design
We design around your workforce and your goals — not a carrier’s default. Self-funded, level-funded, or fully insured, the structure follows your people and your budget.
Cost containment
Transparent pricing, smarter networks, and pharmacy strategies that attack the 40¢ of every dollar lost to waste — so premium increases stop being something that just happens to you.
Member advocacy & care access
Your team gets real support navigating their benefits, plus advanced primary care access, so a confusing bill or a hard diagnosis doesn’t become a dead end.
Where it gets personalRenewal & compliance management
We manage renewals, handle the paperwork, and keep you compliant year-round — so the plan keeps working long after it’s set up.
Nearly half of your health spend never reaches care
Opaque pricing, misaligned incentives, and carrier-built plans quietly drain employer budgets — and the bill lands on you and your employees both. We make the waste visible, then design it out, redirecting those dollars back into your business and your team’s health.
- Predictable, defensible costsStrategies that bend the trend instead of accepting whatever the renewal letter says.
- Healthier, better-supported employeesPrimary care access and real advocacy keep people well — and keep claims down.
- A plan that fits your businessRight-sized for your size and stage, and built to scale as you grow.
- An advisor who answers to youFlat fees, full transparency, no incentive to move premium you don’t need.
Everything that keeps a group plan healthy
From audit to a plan that works
Discovery & audit
We look at your current plan, your spend, and your team — and show you exactly where dollars are leaking.
Design the plan
We build a High-Performing Health Plan around your people and budget, and walk you through the options in plain language.
Roll it out
We handle implementation, enrollment, and employee communication so the transition is smooth.
Manage & optimize
We stay on through the year — advocacy, compliance, and a renewal that’s managed, not dreaded.
Group health, answered
Utah employers across the spectrum — from small teams just setting up their first plan to companies with hundreds of employees rethinking how they fund benefits. The right structure depends on your size and goals, which is exactly what the first conversation is for.
It means we work for you, not a carrier. We’re paid through flat fees rather than commissions tied to your premium, so our advice is built around what’s best for your business and your team — not what moves the most premium.
It can be either — or level-funded in between. The structure follows your workforce and risk tolerance. We’ll show you the trade-offs and recommend what fits, instead of forcing one model on every client.
Savings come from designing out waste — opaque pricing, misaligned networks, pharmacy spend — rather than just shifting cost onto employees. The amount depends on your current plan, which is why we start with an audit of where your dollars go today.
We manage it with you — reviewing performance, negotiating, and adjusting the plan as your team changes. You’re never handed a renewal letter and left to figure it out alone.
Let’s redesign your group plan
Tell us about your team and your current plan, and we’ll show you where the waste is — and how a High-Performing Health Plan puts those dollars back to work.
Health coverage
that actually fits
your family.
Between deductibles, networks, subsidies, and open-enrollment deadlines, choosing a plan on your own is genuinely confusing. We make it simple — comparing every option, finding the savings you qualify for, and standing by you long after you enroll. At no cost to you.
- All major Utah carriers
- Marketplace & subsidy help
- No cost for our guidance
- Year-round advocacy
A guide through every plan and every deadline
You shouldn’t need a benefits degree to insure your family. We translate the fine print, do the comparison shopping, and make sure you’re not leaving money — or coverage — on the table.
Plan comparison, made clear
We line up every option side by side — premiums, deductibles, networks, and prescriptions — and explain the trade-offs in plain English so you can choose with confidence.
Subsidies & tax credits
Many families qualify for savings they never claim. We check your eligibility for marketplace subsidies and tax credits, so you only pay for what you actually need.
Money most people missEnrollment, handled
Open enrollment, special enrollment, life changes — we handle the application and the deadlines so nothing slips and you’re never accidentally uncovered.
Year-round advocacy
A confusing bill, a denied claim, a new baby, a move — you call us, not a 1-800 number. We stay in your corner for the whole year, not just at sign-up.
The same plans — with someone in your corner
Buying coverage directly costs you the same as working with us, but you’re left to decode the fine print and hope you chose right. With an independent advisor, you get every option compared honestly, every subsidy checked, and a real person to call when something goes sideways.
- It costs you nothing extraOur guidance is built into the plans — you don’t pay more for having an expert.
- Every carrier, not just oneWe’re independent, so we compare the whole market for your family’s needs.
- Savings you might have missedWe check subsidy and tax-credit eligibility most people never claim.
- Support that doesn’t end at enrollmentQuestions, claims, and life changes — handled, all year.
Coverage chosen with you, not sold to you
Covered in three simple steps
Tell us about your family
A quick conversation about your household, your doctors, your prescriptions, and your budget.
Compare your options
We bring you the best-fitting plans, check your subsidy eligibility, and explain the trade-offs clearly.
Enroll with confidence
We handle the application and deadlines — then stay on as your point of contact all year.
Individual & family coverage, answered
No. Our guidance comes at no cost to you — it’s built into the plans we help you choose. You pay the same premium you would on your own, but with an expert comparing the whole market and standing by you all year.
That’s one of the first things we check. Eligibility depends on your household size and income, and many families qualify for savings they never claim. We’ll run the numbers so you don’t overpay.
Open enrollment is the main window each year, but major life events — losing other coverage, marriage, a new baby, a move — can open a special enrollment period. If you’re not sure where you stand, ask us; getting the timing right is part of what we do.
Absolutely. Individual and family coverage is exactly where self-employed people and small-business owners benefit most from an independent advisor — we’ll find the plan that fits your income and your needs.
You call us, not a call center. Claims, surprise bills, ID-card issues, life changes — we’re your point of contact for the whole plan year.
Let’s find your family the right plan
Tell us a little about your household, and we’ll compare your options, check what you qualify for, and make enrollment simple — at no cost to you.
Medicare,
without the
maze.
Original Medicare, Advantage, Supplements, Part D — the choices are overwhelming, and everyone seems to want to sell you something. We don’t. We sit on your side of the table, explain your options honestly, and help you choose the coverage that fits your health and budget. At no cost to you.
- Independent & unbiased
- All the major plans compared
- No cost for our help
- Local Utah guidance
Someone to make Medicare make sense
Medicare has a vocabulary all its own — and getting it wrong can cost you. We translate the parts, compare the plans, and get the timing right, so you enroll in coverage that actually fits your life.
The parts, explained
Original Medicare, Medicare Advantage, Medigap Supplements, and Part D drug plans — what each one covers, how they fit together, and which combination makes sense for you.
Personalized plan comparison
We match plans to your doctors, your prescriptions, and your budget — comparing the major options side by side so the right fit is obvious, not a guess.
Built around your doctors & medsEnrollment & timing
Miss a Medicare deadline and you can face lifelong penalties. We help you understand your enrollment periods and get the timing right the first time.
Annual reviews
Plans change every year — and so does your health. Each year we review your coverage to make sure it’s still the best fit, and adjust if something better comes along.
The wrong choice can follow you for years
Medicare decisions aren’t one-and-done — late-enrollment penalties last a lifetime, and the ‘cheapest’ plan can cost you most if it drops your doctor or your prescription. An independent guide helps you see the whole picture before you commit, and keeps watching as plans change.
- Avoid costly penaltiesWe help you understand enrollment windows so you don’t get caught by a deadline.
- Keep your doctors and drugsWe check that the plan you choose actually covers the care you already rely on.
- Compare the whole marketIndependent means no quota and no favorite carrier — just the best fit for you.
- A guide for the long haulWe review your plan every year, because Medicare and your health both change.
Medicare guidance, the way it should be
Clarity in three steps
Tell us your situation
Your doctors, your prescriptions, your budget, and whether you’re new to Medicare or reviewing existing coverage.
Compare your options
We explain the parts, match plans to your needs, and lay out the choices clearly — no pressure, no jargon.
Enroll & review yearly
We help you enroll on time, then check in each year to make sure your plan is still the right one.
Medicare, answered
Nothing. Our Medicare guidance comes at no cost to you — we’re compensated by the plans, not by you, and that never changes your premium. You get an independent advisor on your side for free.
It depends on your situation — your Initial Enrollment Period is tied to your 65th birthday, but if you’re still working or have other coverage, the timing can differ. Getting it right matters, because some late-enrollment penalties last a lifetime. We’ll walk you through exactly when you should act.
They’re two different ways to fill the gaps in Original Medicare, with very different trade-offs around cost, networks, and flexibility. Rather than push one, we explain both and help you weigh which fits your health and budget.
Not if we can help it. Before you choose a plan, we check that it covers the doctors and medications you already rely on — so you’re not surprised after you enroll.
It’s wise to. Plans change their costs, networks, and drug coverage annually, and your health changes too. We review your coverage each year and only suggest a switch if something genuinely serves you better.
Let’s make Medicare simple
Whether you’re new to Medicare or want a second look at your current plan, we’ll explain your options honestly and help you choose with confidence — at no cost to you.
Make sure the
people you love
are taken care of.
Life insurance is one of the most caring decisions you can make — and one of the easiest to put off because it feels complicated. We make it straightforward: figuring out how much you actually need, comparing honest options, and finding coverage that protects the people who count on you.
- Term & permanent options
- Right-sized coverage
- Independent, honest advice
- Family & business cover
Protection built around your life
There’s no one-size-fits-all policy — the right coverage depends on who depends on you. We help you understand the options and choose protection that fits your family, your stage of life, and your budget.
Term life insurance
Straightforward, affordable coverage for a set period — ideal for protecting your family through the years that matter most: a mortgage, growing kids, peak earning years.
Permanent & whole life
Lifelong coverage that can also build cash value over time — a way to protect your family permanently while creating an asset you can borrow against.
Coverage needs analysis
How much is enough? We walk through your income, debts, and the people who rely on you, so you buy the right amount — not too little, and not more than you need.
So you buy exactly what you needBusiness & key-person cover
Protect your business, your partners, and the people who keep it running — from key-person coverage to buy-sell funding that keeps a company stable if the unexpected happens.
The people who count on you, protected
If something happened to you, life insurance is what keeps your family in their home, your kids’ plans intact, and your loved ones free from financial scramble on the worst day of their lives. It’s not about you — it’s about everyone who depends on you. And it’s usually far more affordable than people expect.
- Income your family can count onCoverage replaces your income so your family’s life can continue.
- Debts and the mortgage coveredThe home stays the home, and your loved ones aren’t left with the bills.
- More affordable than you’d thinkEspecially term coverage, and especially the younger and healthier you lock it in.
- Honest advice, not a hard sellWe’re independent — we recommend what protects you, not what pays us most.
Coverage chosen with care
Protected in three steps
Talk it through
A relaxed conversation about who depends on you, your finances, and what you want to protect.
See your options
We calculate the right amount of coverage and compare honest options across carriers.
Get covered
We guide you through the application and underwriting — and make sure your loved ones are protected.
Life insurance, answered
Enough to take care of the people who depend on you — which depends on your income, your debts, your mortgage, and your family’s goals. We do a needs analysis with you so you buy the right amount, rather than guessing with an online slider.
Neither is ‘better’ in the abstract; it depends on your goals. Term is affordable, straightforward protection for a set period. Permanent coverage lasts your whole life and can build cash value. We’ll explain the trade-offs and help you choose what fits.
Sometimes, though many policies today offer simplified or no-exam underwriting depending on your age, health, and coverage amount. We’ll match you to options that fit your situation and guide you through whatever the application requires.
Usually less than people expect — especially term coverage, and especially when you lock it in while you’re younger and healthier. We’ll find coverage that fits your budget and your need.
Yes. We help business owners with key-person coverage and buy-sell funding — protection that keeps a company stable and partners secure if an owner or key employee passes unexpectedly.
Protect the people who count on you
Let’s have a straightforward conversation about who depends on you and what it would take to keep them secure. We’ll figure out the right coverage together — no pressure, no jargon.