Case Study: HIPnation achieves ACA compliance and up to $30,000 annual client savings with PeopleKeep

Partnership with PeopleKeep allows insurance broker to offer clients a costsaving, flexible, and ACA-compliant health benefit

HIPnation, led by advisor Ben Butler, needed an ACA‑compliant benefit to supplement the Direct Primary Care (DPC) and Sedera plans he sold to small and larger-tier clients. Those alternative plans weren’t considered minimum essential coverage for applicable large employers, so HIPnation required a flexible, low‑cost solution that would keep employers compliant and provide nationwide coverage for distributed workforces. PeopleKeep’s individual coverage HRA (ICHRA) was evaluated as a fit.

PeopleKeep implemented its ICHRA administration platform and user-friendly software to help HIPnation offer tax‑free reimbursements for individual health premiums and qualifying medical expenses. The result: 100% client satisfaction, employers administering benefits easily, and measurable savings—one client saved $30,000 annually versus traditional group insurance—while HIPnation expanded its offerings, improved employee recruitment/retention, and maintained ACA compliance through PeopleKeep.

HIPnation

Ben Butler

Lead Advisor and Independent Broker