Business Details
38 Years
experience
Emergency
services
Trusted Health Insurance Solutions for Brokers and Employers
Health Insurance Services has been a trusted partner in the insurance industry for over 35 years. Founded in 1988, our agency specializes in providing innovative group health strategies to brokers, advisors, and plan sponsors nationwide. Our expertise lies in retiree healthcare, pharmacy benefit management, and senior-focused insurance solutions, designed to reduce financial liabilities while improving member benefits. With offices in Detroit, Milwaukee, Austin, and Philadelphia, we combine local market knowledge with national reach to serve organizations of all sizes. Our team of seasoned professionals offers end-to-end support, from prospecting and education to implementation and ongoing service.We pride ourselves on our proprietary tools, access to exclusive markets, and commitment to solving complex healthcare challenges. Our client-centric approach ensures transparency, compliance, and tailored solutions that align with employers' unique needs. Recognized as industry leaders, we have implemented retiree plans for groups ranging from 2 to 10,000 members. Our pharmacy management programs have delivered significant cost savings, including a 72% reduction in specialty drug expenses for self-insured clients. Backed by decades of experience and a reputation for excellence, we remain dedicated to empowering brokers and enhancing coverage accessibility for retirees and active employees alike.
Services
Group Retiree Healthcare
Premier Senior Health Plan
Pharmacy Management
Self-Funded Solutions
Defined Contribution Plans
Medicare Advantage Plans
Specialty Drug Management
Reinsurance Strategies
Details
- Year established: 1988
Highlights and features
- We have 35 years of experience in group retiree healthcare and pharmacy benefit management.
- Our proprietary tools and exclusive market access deliver unmatched cost-saving opportunities.
- We provide end-to-end support from proposal to implementation and ongoing service.
- Our pharmacy management programs reduce specialty drug costs by an average of 72%.
- We serve organizations nationwide with local market expertise in key regions.
What people say
Excellent retiree solutions
Unique product expertise
Indispensable benefits resource
Proven cost savings
Exceptional implementation support
Services
Group Retiree Healthcare
We design customized retiree healthcare solutions for employers, reducing long-term liabilities while improving access to care. Our programs include fully insured and self-funded options with nationwide provider networks. With expertise in Medicare supplemental plans and pharmacy cost containment, we serve groups from 2 to 10,000 retirees.
Premier Senior Health Plan
This group health plan offers guaranteed-issue Medicare supplemental coverage for small employers. Features include no health statements, nationwide provider freedom, and tax-deductible premiums. Employers can adjust benefits annually without underwriting, with portability options for continued coverage.
Pharmacy Management
Our pharmacy benefit programs reduce prescription costs through strategic PBMs and specialty drug sourcing. Services include contract renegotiation, international mail-order programs, and analytics to ensure compliance. Clients have achieved up to $1 million in annual savings through our tailored pharmacy strategies.
Self-Funded Solutions
We implement cost-effective self-funded health plans with defined contribution models. These solutions offer flexibility for employers while maintaining comprehensive coverage. Our support includes risk mitigation, claims processing, and compliance management for active and retiree populations.
Defined Contribution Plans
Our defined contribution plans provide employers with predictable healthcare costs while offering employees choice in coverage. We assist with plan design, implementation, and ongoing administration, ensuring compliance with regulatory requirements and alignment with organizational goals.
People
George Molnar
CEO
George Molnar founded Health Insurance Services in 2003 after a successful tech industry career. Recognized as a leading authority in group retiree healthcare, he develops strategies that lower costs while improving retiree access to care. He holds a B.A. from Michigan State University.
Samuel Molnar
Director of Sales and Business Development
Samuel Molnar leads sales and pharmacy product development at HIS. With a master's in natural resources, he combines analytical expertise with healthcare innovation. He has specialized in retiree healthcare since 2003 and holds leadership roles in industry associations.
Henry Zaks
Co-Founder
Henry Zaks co-founded Health Insurance Services in 1988. With over 50 years in insurance, he pioneered partially self-funded medical plans through independent agents. A former Army veteran and industry leader, he continues to drive HIS's strategic growth initiatives.
Rebecca Molnar
Business Development Specialist
Rebecca Molnar specializes in group retiree healthcare solutions. A former public school teacher with a master's in educational leadership, she helps brokers implement cost-effective plans. She resides in Austin, Texas, and operates a ceramics business.
Dan Oliver
Sales Executive
Dan Oliver brings 30+ years of employee benefits experience to HIS. He specializes in group retiree plans, pharmacy solutions, and risk mitigation. A former carrier rep and broker, he assists clients nationwide from Oklahoma City, where he resides with his family.
Questions
What retiree healthcare solutions do you offer?
We provide fully insured and self-funded retiree plans, including Medicare supplements, defined contribution models, and pharmacy cost containment programs tailored to employer needs.
How do your pharmacy management programs reduce costs?
Our programs achieve 72% average savings on specialty drugs through strategic PBMs, international sourcing, and contract renegotiation while maintaining member access to medications.
Are your health plans available nationwide?
Yes, our Premier Senior Health Plan and pharmacy solutions are available nationwide with provider network flexibility and compliance across all 50 states.
How do you support insurance brokers?
We offer brokers proprietary tools, market access, implementation support, and ongoing education to help them sell and service complex group health solutions effectively.
What employer sizes do you serve?
We work with employers from small businesses with 2 retirees to large organizations with 10,000+ members, providing scalable solutions for all group sizes.
Can plans be customized for specific needs?
Yes, our team designs hybrid exchange models, traditional plans, and specialty drug programs tailored to each employer's unique workforce and budget requirements.
