Independent. Transparent. Built for Louisiana.
See Every Option in the Market — Not Just What Your Broker Wants to Sell You
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See what switching plan types could save your group
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Most Brokers Show You 3 Options. We Show You Hundreds.
Demand Benefits is an independent employee benefits firm serving Louisiana employers across all 11 major markets. We don't represent any single carrier — we represent you. That means you get a full view of the market, not just the plans that pay the highest commission.
Choose the Right Funding Strategy for Your Group
The way you fund your health plan is as important as the plan itself. We help employers evaluate every available model — from traditional fully insured to advanced financial engineering — and choose based on group size, claims history, risk tolerance, and long-term budget goals.
Foundation Strategies
Fully Insured
Fixed monthly premiums paid to a carrier who assumes all claims risk. The starting point for most employers — and the right fit for small groups that prioritize predictability.
- Predictable monthly cost
- Carrier assumes all risk
- No claims visibility
- Ideal for groups under 25 lives
Level-Funded
Fixed monthly payments with self-funded economics. Surplus refunds if your claims come in under budget. The ideal entry point for groups ready to move beyond fully insured.
- Predictable monthly payment
- Potential surplus refund at year end
- Claims transparency included
- Ideal for groups with 10–200 lives
Self-Funded
Pay claims directly. Keep the savings. Full visibility into where every dollar goes — protected by stop-loss insurance. Maximum ceiling for the right group.
- Maximum cost control
- Full claims transparency
- Stop-loss protection included
- Ideal for groups with 50+ lives
Advanced Strategies
For employers ready to go beyond conventional plan design — these strategies deliver institutional-level cost control and multi-year financial stability.
Group Medical Captives
A group captive allows multiple employers to pool their stop-loss risk together — sharing in the underwriting profit when the collective performs well. Instead of buying stop-loss from a carrier and walking away empty-handed in a good year, captive members share in the surplus.
- Share stop-loss risk across a vetted employer pool
- Participate in underwriting profit in low-claims years
- Access actuarial data and claims benchmarking
- Typically requires 25+ lives and strong claims history
- Long-term cost trajectory significantly lower than fully insured
Affinity & Association Health Plans
Association Health Plans allow small employers and independent businesses to band together by industry or geography — purchasing coverage as if they were a single large employer. AHPs unlock access to better rates, broader plan options, and negotiating leverage that no small group could achieve alone.
- Access large-group pricing for small employer budgets
- Broader plan and network options than small group market
- Industry or geography-based pooling
- ERISA-governed with potential state mandate relief
- Ideal for trade associations, professional groups, and franchises
Financial Engineering Strategies
For employers who need multi-year budget certainty without sacrificing cost control, we structure financial engineering strategies that lock in your rate for up to three years — eliminating renewal uncertainty while preserving the economics of self-funding.
- Lock in your health plan cost for up to 3 years
- Eliminate the annual renewal surprise
- Structured through captive and stop-loss layering
- Combines cost control with budget predictability
- Ideal for CFOs managing multi-year financial planning
Why Independent Advice Changes Everything
What a Traditional Insurance Agent Does
- Represents one carrier or a limited set of preferred carriers
- Compensation is tied to premium volume (higher premiums = higher pay)
- Renews coverage with minimal market testing
- Presents a narrow set of options as the full market
- Lacks access to advanced structures (captives, association health plans, alternative funding models)
What Demand Benefits Does
- Analyzes every available carrier and funding strategy
- Compensation is structured to reward savings, not premium volume
- Runs a full market analysis at every renewal
- Presents 70+ options with transparent side-by-side comparison
- Accesses captive, AHP, and financial engineering strategies most traditional agents don't offer
A Transparent Approach to Employee Benefits in 5 Steps
We've built a proven process that gives employers full market visibility, a custom strategy, and a seamless transition — with no disruption to your employees.
Analyze
We break down your current plan to identify hidden costs, inefficiencies, and risk exposure you didn't know existed.
Compare
We evaluate 70+ plan designs, funding strategies, and network options across every available carrier in your market.
Redesign
We build a customized strategy aligned with your workforce demographics, claims history, and financial goals.
Implement
We manage the full transition — carrier setup, employee communications, and enrollment — with zero disruption to your team.
Optimize
We continuously monitor plan performance and identify new savings opportunities so your results improve over time.
Serving Employers Across Louisiana
We provide full-market benefits access to groups in every major Louisiana market. See all markets →
Trusted by Employers Across Louisiana
"We were blindsided by a 24% renewal increase. Demand Benefits ran a full market analysis and found a level-funded option that cut our costs by 18% — with better coverage than what we had."
HR Director — Restaurant Group
New Orleans, LA
"Our old broker showed us two options every year. Demand Benefits showed us over 70. For the first time, we actually understood what we were buying and why."
CFO — Construction Firm
Baton Rouge, LA
"They identified $140,000 in wasted premium we didn't even know about. The switch to a self-funded plan was seamless, and our employees kept all their doctors."
Practice Administrator — Healthcare Group
Metairie, LA
Common Questions from Louisiana Employers
Ready to See What the Full Market Looks Like?
If you're renewing your health plan without an independent analysis, you're almost certainly leaving money on the table. Schedule a free 30-minute review — if we can't find you a better plan for less money, we'll donate $100 to the charity of your choice.