Most small employers are getting incomplete advice on health insurance.
Small brokerages rarely specialize in level funding or other alternatives to fully insured plans. Large brokerages do, but their attention goes to their biggest accounts. Crestin works with companies under 200 employees, the ones with the most to gain.
22%
Average premium reduction for clients moved to level funding in 2026, about $1,140 per employee*
46
States where Crestin is licensed to advise employers
24 hrs
Guaranteed response time on every service request
*Average premium reduction across Crestin clients moved to level-funded plans in 2026, with no change in carrier or benefits. Individual results vary.
The Founder
Nick Hamilton
Nick spent seven years at UnitedHealthcare, rising from intern to Senior Account Executive over Los Angeles, the San Fernando Valley, and the Central Coast, where he was one of the region's top producers.
He worked closely with UHC's underwriting, network, and ACA rate-setting teams, and learned which parts of a renewal are fixed and which can be negotiated. Most brokers never see that side of the business.
He holds an MBA from the University of Miami, founded Crestin in 2026, and works with every client himself. Originally from the Chicago suburbs, he lives in Santa Monica, golfs, and competes in triathlons.