TMRW Benefits is a New York-based health insurance brokerage led by Jesse, principal broker. We write private off-exchange plans for self-employed individuals, build group benefits programs for employers of 2–200+, and operate a commissioned referral program for independent brokers who'd otherwise send marketplace clients to Healthcare.gov for free.
Off-exchange plans for self-employed, 1099, and freelance workers — broader networks, year-round enrollment.
Group health, ICHRA, level-funded, ancillary, ERISA compliance. Companies of 2–200+ employees.
A commissioned alternative to the marketplace for independent brokers. You refer, we place, you earn.
TMRW operates differently from the broker shops most clients are used to. There's no account team you've never met deciding your renewal. Jesse is the principal broker on every engagement — broker partnerships, employer audits, individual enrollments. The line you call is the line that picks up.
That model has limits. We don't take on clients we can't serve well. If your situation needs a 50-person broker shop, we'll tell you. The trade-off is that the clients we do work with get direct attention from someone with a stake in the outcome.
We try to write the way we'd talk. No "I hope this finds you well." No "circling back." If you don't qualify for ACA subsidies, we'll say so. If a marketplace plan is your best option, we'll send you to Healthcare.gov even though it pays us nothing — because that's what an honest broker does.