A Fiduciary Approach to Meaningful Benefits.

Finally. Benefits your CFO and HR can both get excited about.

Ethos Benefits Founders

Ethos Benefits Difference

Cost Reduction

Premium Per Employee Per Year (PEPY)
0 %

Reduced
Prescription Costs

RX Per Member Per Month (PMPM)
0 %

Lowered
Medical Claims

Decrease
30- 0 %

Trusted by Many

5 Stars Reviews on Google
0 +

Trusted by Clients, Celebrated by the Industry

We are proud to be recognized by top industry organizations for our commitment to innovation and client service. Discover why we’re seen as the most innovative and trusted advisor in employee benefits nationwide.

Chelsea Ryckis
President, Ethos Benefits
2024 BenefitsPRO Advisor of the Year

Expect Something More

We’re not here to continue the same old game with late renewals and last-minute decisions. At Ethos Benefits, we challenge employers to rethink everything they’ve been told about healthcare programs. The result? A radically better experience for your company and your number one asset, your people.

Our transparent strategies cut through the noise, align interests, and put YOU back in control of costs. No hidden agendas. No excuses. Timely and proactive renewals instead of delayed ineffective strategies. Just smarter, data-driven solutions that empower your employees and drive real and long-term cost savings.

Ready to break free from the broken system? Let’s make it happen.

High Performing Renewals

How do you manage what you can’t measure? Design data driven health plans that not only control your cost long term, but meet your fiduciary obligations as well.

Simplified Administration

Human Resources teams have enough to do. Let us handle the Benefits Administration Technology, Integrations, Eligibility, Auditing, Compliance, and Employee Communications.

Empowered
Employees

Employees don’t need more insurance acronyms, they need easy to access healthcare. Give your employees instant access to the advocacy and support they need with our modern communications tool.

Fulfill Your Fiduciary Duty 
with a Trusted Advisor

We understand the importance of fiduciary responsibility because it’s in our DNA. With Donovan’s background as a licensed fiduciary in 401(k) plans, we’ve been ahead of the curve, helping employers navigate the evolving landscape of health plan compliance. As the focus on fiduciary duties intensifies, having a knowledgeable advisor who anticipated these shifts years ago can make all the difference in protecting your organization and employees.

WARNING:

After watching this documentary, you’ll never see your healthcare program the same way again.

180 MILLION AMERICANS

That’s how many employees rely on employers, like you, for access to Healthcare.

Our groundbreaking documentary “It’s Not Personal, It’s Just Healthcare” reveals:

  • The real reason behind skyrocketing premiums
  • Why traditional “solutions” keep failing
  • How profit motives compromise care
  • The playbook for actual change

The status quo wants this story buried. We’re telling it anyway.

It's Not Personal.
It's Just Business. Healthcare.

Discover How Simple Changes Can Lead to Huge Savings in Healthcare Costs

See how a single negotiation transformed healthcare affordability for an employee at Kalos Services, turning a $37,594 hospital bill into zero out-of-pocket expenses. This innovative case study reveals the power of strategic negotiations and how they saved 
the company $31,000, while providing essential care at no cost to the employee.

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Experience the
Business of Benefits Podcast

Business of Benefits is a dynamic podcast that spotlights business pioneers who’ve unlocked their ethos, leveraging it to become trailblazers and revolutionize their industries. Hosted by Chelsea and Donovan Ryckis, the show offers a deep dive into the stories of these exceptional individuals who’ve embraced their core values and used them as a competitive edge to challenge the status quo.