Group Health
Medical, dental, and vision for your whole team. We compare carriers, design the plan, and run enrollment and renewals end to end.
- Carrier & network comparison
- Dental, vision, life add-ons
- Payroll & HRIS integration
Sunnyvale, CA · Multi-state administration
Employee benefits, brokered and administered for California employers
Mission Benefits designs, places, and runs group health, individual, Medicare, and level-funded plans, then handles the renewals, enrollment, and claims advocacy so your team can stop managing insurers and get back to work.
CA License #0D68492
Multi-state administration
In-house claims advocacy
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Broker + AdministratorOne team for placement and ongoing admin
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2–200+ employeesRight-sized for small and mid-size groups
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Licensed in CaliforniaCA #0D68492 · multi-state coordination
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Claims advocacy deskWe fight denials so HR doesn't have to
What we handle
Four ways we cover your people
From a five-person startup's first group plan to multi-state teams and retiring employees, Mission Benefits places and administers the right coverage and stays on through every renewal.
Individual & Family
ACA and off-exchange plans for individuals, families, and business owners, with help navigating subsidies and Covered California.
- Covered California enrollment
- Subsidy & tax-credit guidance
- Self-employed coverage
Medicare
Clear, unbiased help choosing Medicare Advantage, Supplement, and Part D plans, for individuals and employees heading into retirement.
- Advantage vs. Supplement
- Part D drug-plan review
- Annual enrollment support
Level-Funded
Lower fixed costs with self-funded upside. We model level-funded against fully insured so you can see the real numbers before switching.
- Year-end surplus potential
- Fixed monthly payments
- Claims & stop-loss modeling
How it works
Three steps from quote to covered
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Quote & review
Send us your census and current plan. We review what you have, where you're overpaying, and what your team actually needs.
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Design & compare
We build side-by-side options across carriers, including fully insured and level-funded, with clear costs for you and your employees.
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Enroll & support
We run open enrollment, integrate with payroll, and stay on as your year-round admin and claims advocate.
Coverage & administration
California home base, teams anywhere
Headquartered in Sunnyvale, we administer benefits for employers whose people don't all sit in one state, coordinating compliance, carrier networks, and enrollment so you manage one relationship instead of fifty.
Sunnyvale, CA
Headquarters & licensing base
CA
NV
OR
WA
AZ
TX
CO
UT
ID
+ more
Representative footprint — we coordinate administration nationwide.
Included with every group
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In-house claims advocacyWe handle denials, billing errors, and coverage disputes for your employees.
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Dedicated benefits HelpDeskA real contact for HR and employees, not a carrier call queue.
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Payroll & HRIS integrationDeductions and eligibility synced with the systems you already run.
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ACA compliance supportReporting, notices, and filings handled and kept current.
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Annual renewal strategyWe re-shop and renegotiate every year, not just at the start.
Who you work with
Built and run by Matthew Sohn
Mission Benefits is led by Matthew Sohn, a licensed California benefits advisor with 20+ years helping Bay Area employers, families, and individuals get coverage right. Author of Your Map To Health Insurance, Matthew brings the same plain-English approach to group benefits that he's known for one-on-one.
You get a broker who knows the carriers, an administrator who handles the paperwork, and an advocate who picks up the phone when a claim goes sideways, all from one Sunnyvale practice.
Looking for individual or Medicare help? Visit Matthew's advisor practice
Placeholder — replace before publish
We were a 40-person team drowning in renewal paperwork and surprise claim denials. Mission Benefits took the whole thing over, found us a level-funded plan that lowered our fixed costs, and now our people just email one HelpDesk and it gets fixed.
HR DirectorSoftware company, San Jose
Questions
Frequently asked questions
Straight answers on group size, level-funding, multi-state administration, fees, and claims. Still unsure? Ask us directly.
What size employers do you work with?
We work with California employers from 2 to 200+ employees, plus individuals and families. Whether you're setting up a first group plan or refining benefits for a growing team, we right-size the approach to your headcount and budget.
What is a level-funded plan, and is it right for my company?
A level-funded plan combines predictable monthly payments with the upside of a self-funded structure: if your group's claims come in low, you may receive a year-end surplus refund. It often fits healthy small and mid-size groups looking to lower fixed costs. We model it against fully insured options so you can compare real numbers.
Can you administer benefits for employees in other states?
Yes. We're headquartered in California and administer benefits for employers with team members across state lines, coordinating multi-state compliance, carrier networks, and enrollment so you manage one relationship instead of many.
Do you charge employers a separate fee?
In most cases our broker compensation is built into the carrier plans you already pay for, so there's no separate fee for our brokerage and administration services. We confirm the exact arrangement in writing before you commit.
What happens when an employee has a claim problem?
Your team contacts our in-house claims advocacy desk and we handle it for you, working directly with the carrier on denials, billing errors, and coverage questions so HR isn't stuck on hold.
Get started
Get a free quote
Tell us about your team. We'll come back with a clear comparison, usually within two business days. No cost, no obligation.
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(408) 384-8150Mon–Fri, 9am–5pm PT
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773 E. El Camino Real, Suite 165
Sunnyvale, CA 94087
Mockup form — wire to a real handler before publish
Thank you — request received
We'll review your details and follow up, usually within two business days.