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info@idealbenefitscollective.com

Call Support

(801) 944-1246

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Email Support

info@idealbenefitscollective.com

Call Support

+1 840 841 25 69

Work Hour

Mon - Fri 09:00 - 18:00

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About Us | Experience the Collective

Utah's Employee Benefits Broker — Built on 50 Years of Expertise

Ideal Benefits Collective is a Salt Lake City-based employee benefits brokerage and consulting firm. We help Utah employers — from 2-person startups to 500-employee organizations — design smarter benefits packages, lower healthcare costs, and take care of the people who make their businesses run.

Helping employers understand:

  • 70% of Gross Premiums Fund Claims
  • 30% of Gross Premiums Cover Insurance & Administrative Costs (Overhead)
  • The more you lower claims, the more you can save
  • IBC plan participants have access to wellness awareness education that can change the trajectory of their health and overall lifestyle
Schedule a Free Consultation
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50+

Years Of Experience
  • 50% of the people in the US are affected by Chronic Illnesses and Chronic Inflammation
  • Inflammation is at the root of every disease and medical condition."
  • Our wellness initiatives address and holds the answers to these chronic issues

Our Values

Our core values drive our commitment to integrity, excellence, and putting people first.

Our Mission

Empowering businesses and individuals with strategic benefits solutions for a healthier, more secure future.

Why We Built a Different Kind of Benefits Firm

  • Fifty years ago, a family's monthly health insurance premium averaged $125. Today it averages $1,200 — and chronic illness rates have increased tenfold over the same period. That's not a coincidence, and it's not inevitable.
  • We built Ideal Benefits Collective around a simple but radical idea: the only sustainable way to lower insurance premiums is to improve the health of the people being insured. Not just find a cheaper plan this year. Actually reduce the underlying demand for expensive medical services over time.
  • That's why IBC is structured differently from a traditional Utah insurance brokerage. We combine licensed insurance professionals, and a proprietary Total Wellness Center into one integrated service model. Our clients don't just get a group health plan — they get a strategy to make that plan cost less every year.
  • We are Salt Lake City-based and Wasatch Front-focused. We understand Utah's healthcare market, Utah's carriers, and the real pressures facing Utah employers — from Silicon Slopes startups competing for tech talent to Main Street businesses trying to offer benefits on a tight budget
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Employers We Work With — From 2 Employees to 500+

  • Small Businesses (2–50 employees) — Small group health insurance in Utah requires just two employees. We help small businesses across Salt Lake City, Provo, Ogden, and St. George access competitive group rates, dental and vision coverage, and HSA-compatible plans that fit a real budget.
  • Mid-Size Employers (50–200 employees) — ACA compliance becomes mandatory at 50 full-time equivalents. We manage your compliance obligations, benchmark your benefits against Utah competitors, and evaluate level-funded and self-funded plan alternatives that can cut costs significantly.
  • Growing & Enterprise Employers (200–500+ employees) — Full population health management, self-funded plan design, stop-loss coverage, claims analytics, and total rewards strategy for organizations that want to control their benefits spend at scale.
  • Individual & Self-Employed Utahns — ACA Marketplace navigation, off-exchange plan comparison, and individual health, dental, vision, and life insurance for people who need coverage outside of an employer group.
  • Medicare-Eligible Individuals — Medicare Supplement (Medigap), Medicare Advantage, and Part D guidance for Utah seniors and employees transitioning off employer coverage at 65.
  • Tribal Nations — Custom benefits program design for Tribal governments and enterprises, aligned with IHCIA provisions, tribal sovereignty requirements, and the unique needs of Native communities across Utah and the Mountain West.

What You Get With IBC

Insurance Division - Fully Insured & Self-funding

  • Access to every major insurance carrier
  • Yearly review of rate/benefits options from all competitive carriers
  • Full regulatory compliance overview
  • Comprehensive analytics of every administrative charge & claims dollar spent
  • Benefit strategies that compliment your objectives and demographics
  • Conduct regular reviews with up

Servicing Division

  • Prompt administration servicing on any/all issues
  • Claims servicing for all plan participants
  • 24/7 Concierge Claims Servicing
  • Wellness Awareness Meetings & Topics Library
  • Physician hospital access servicing
  • Maintenance of group experience, trending, and financial analytics
  • Personalized client platform portal
  • Conduct regular reviews with updates
  • Open Enrollment Meetings

Ready to Talk? Here's What Happens Next

  • A conversation with IBC starts with a free, no-obligation review of your current benefits situation. We listen first. We look at what you have, who you're covering, what you're spending, and where the gaps are. Then we tell you honestly what we'd do differently — and why.
  • Call us directly: (801) 944-1246
  • Email: info@idealbenefitscollective.com
  • Hours: Monday – Friday, 9:00 AM – 6:00 PM MT
Free Consultation