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Could Your Next Employee Benefit Actually Reduce Company Costs?

Written by TCU Author | May 15, 2026

Are you an HR professional that had to tell your employees, 'We do not have the money to offer the raise we would like to.' Are you hearing your employees talk about gas prices? food prices? cost of childcare? etc

For many employers, offering more benefits feels impossible. Premiums continue to rise, employees want more, and budgets are too tight to make this successful. We want to bring a product to you and your company that provides some basic health insurance but also provides some health management tools! What if we could do this without creating another expense for the business? What if we could even do it and still provide a SAVINGS to both the company and the employee?

That's exactly what this program was designed to do.

We Can't Afford That

....not true! This is a common concern and it's very understandable. This product creates the savings that actually pays for the program and still provides savings to both the company bottom line and the employee! Because we knew that cost would otherwise be a factor.

Our Employees Won't Be Interested in this Additional Benefit

....probably not true! Who doesn't want an extra $100 in their wallet. Financial incentives have been used for years to motivate people to participate in health activities. People tend to appreciate programs that provide real value - whether the value for them is in the financial value or the value for them is in experiencing more health and wellness. This program is different. This program teaches. This program helps EACH individual from right where they are. It's not some generic program. And when you participate you get the financial contract. But nobody is forced to enroll - enrollment is voluntary. This program can bring about the real value an employee is looking for.

Voluntarily Learn Improve and Earn

When employees become more engaged in their health, it sets up an opportunity for everyone to benefit. Companies can experience lower healthcare related expenses and employees can be more productive and present at work and home.

This Sounds Difficult to Implement

....nope! It starts with a no obligation quote. This program doesn't work for everyone. Generally you need to have 5 or more employees that are working full time and paid under a W2 contract. So, more specifically, we need to run a quote as each company is different and eligibility depends on several factors. In order to run that quote, we need to get some information from payroll. 

Once your company decides to move forward:

  • Eligible employees download an easy-to-use mobile app.
  • Payroll is updated with the appropriate payment information.
  • Employees begin using personalized health management tools.
  • Qualified employees and their eligible dependents begin receiving the benefits available through the program.

From there, the company gets the benefit and the employee AND their dependents get the benefits!

Schedule a Consultation

If you agree with us that it is worth looking at. Please schedule a meeting with us.

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Twin City Underwriters

Choosing employee benefits can be difficult and is very overwhelming. Twin City Underwriters, for more than 50 years, has helped small group employers in Minnesota find the plan that meets their employees' unique needs while keeping the company budget in mind. Schedule a one-on-one meeting with one of our insurance brokers to start to map out a plan for you!

Do you need help with employees that are retiring? We help people with the transition from employer insurance to their own insurance, which is often Medicare, all the time! We represent all of their options so you can feel confident in your referral that your employee's needs will be of utmost concern - and they will hear about all of their options. Our agents are paid an hourly wage - not a commission. Have them Contact us today to get started.