Employee benefits, simplified — and a partner to call when it matters.
A trusted employee benefits advisor helping small and mid-sized businesses simplify health insurance, control benefits costs, and deliver a better employee experience — through personalized guidance and ongoing support.
More than a broker — a long-term benefits partner for your business.
Most brokers disappear after open enrollment. We don't. Philadelphia Life and Health acts as an extension of your team — handling everything from plan selection and employee enrollment to claims advocacy, compliance, and annual renewal strategy. Because your employees deserve more than a policy. They deserve a partner.
- Independent expertise — objective guidance across multiple carriers.
- Personalized service — dedicated local support, not a call center.
- Employee advocacy — hands-on help with claims and enrollment questions.
- Cost management — strategies to control healthcare costs year over year.
A hyper-local team with nationwide reach.
Two offices in the greater Philadelphia region, an insurance license in every state, and a hands-on team that shows up in person when it counts. The best of a local advisor, at the scale of a national partner.
From the small businesses lining Chestnut Street to family kitchens in the northwest suburbs, our clients are our neighbors. We know the carriers who work best in the region, the compliance details that trip up out-of-state brokers, and the doctors your team actually wants in-network — because we live and work here, too.
Everything your business needs for employee benefits — under one roof.
From group health plans and ICHRA to payroll, workers' compensation, and HR solutions — we bring it all together so you can focus on running your business.
Group Health & Benefits
Customized group health insurance solutions from top carriers, plus ICHRA plans for flexible, budget-friendly coverage — with enrollment support and renewal strategy built in.
- Small group & ICHRA plans
- IBX & multi-carrier comparison
- Year-round employee advocacy
Benefits Admin, HR & Payroll
End-to-end benefits administration on Ease, HR solutions powered by Mineral, payroll processing, and workers' compensation — streamlining operations so your team can focus on what matters most.
- Benefits administration on Ease
- HR solutions powered by Mineral & payroll processing
- Workers' compensation services
Individual, Family & Medicare
Personalized health insurance for individuals and families, plus expert Medicare guidance — enrollment support for Supplement, Advantage, and prescription drug plans.
- Individual & family health plans
- Medicare Supplement & Advantage
- Annual plan reviews
High-touch service that most brokers simply don't offer.
We're not a call center or an online portal. We're a local team that becomes an extension of yours — present for enrollment, renewals, claims, and everything in between.
Independent benefits expertise
Objective guidance across multiple carriers and plan options — we recommend what fits your business and budget, not what pays us the most.
Dedicated local service
All customer service and account management is handled by a local member of our staff — same person, every year, for every question.
Employee advocacy & cost control
We handle claims issues, enrollment questions, and compliance challenges while helping you design benefits that keep costs manageable year over year.
Real clients. Real problems. Real outcomes.
Three stories of how we helped employers across all 50 states rebuild their benefits — lower cost, better coverage, smoother administration.
Better benefits, lower renewal cost, less burden
Overpaying with a carrier that no longer fit. We moved the practice to a better-aligned carrier, improved benefits, added voluntary coverage at no cost, and reduced the burden on management through hands-on employee support.
Read case study
Helping a growing trade business offer benefits for the first time
No benefits, recruiting pressure, no time to manage rollout. We stepped in as a hands-on partner, guided the office manager, educated employees before the workday began, and launched benefits for the first time.
Read case studyLevel-funded vs. self-funded — picking the right model
A steep fully-insured renewal. We compared funding models in plain English and recommended a level-funded plan that delivered predictability, claims protection, and year-end refund potential — without self-funded volatility.
Read case studyConsult. Design. Manage.
A three-step partnership model that turns a one-time benefits transaction into an ongoing, strategic relationship for your business.
Consult
We start with a real conversation — no pitch, no pressure. What does your workforce need? What's your budget? What's working now, and what isn't? We listen first.
Design
We build a customized benefits strategy — comparing carriers, plan designs, ICHRA options, and cost-containment approaches. Side-by-side, in plain English. You decide.
Manage
Enrollment is just the beginning. We handle ongoing administration, employee advocacy, compliance support, renewals, and strategic reviews — all year, every year.
Built for small business — and the people who work there.
We specialize in employers with 2–100 employees who want the benefits of a large company's HR team without the overhead. We also serve individuals, families, and Medicare-eligible seniors.
Small Businesses & Employers
Group health and employee benefits for businesses of any size — but especially small groups.
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Seniors & Retirees
Medicare Supplement, Medicare Advantage, and annual reviews for the 65+ community.
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Individuals & Families
ACA, dental, vision, life, and short-term coverage for individuals and families across all 50 states.
Learn moreSelf-Employed & Sole Proprietors
Association health plans that bridge the gap between individual and group markets.
Learn moreFrequently Asked Questions
Good to Know
Ready to simplify your employee benefits?
Schedule a free call and we'll walk through your current benefits, your goals, and where we can help — no pressure, no pitch, just honest advice.