Wisterm is an industry-leading employee benefits and insurance management consultancy. Built on the best personalized service that the industry has to offer, we can help you navigate the ever-changing world of health insurance, employee benefits, business risk, retirement planning and compliance. Our sole focus is delivering better outcomes – to your benefits program, your employees, and your bottom line.
Taking care of you and your team
We’re ready to help you define, build, and operate insurance solutions that do big things for your business.
The right protection today, resilience for tomorrow
Discover our services
We’ve built our business to support your business – finding new ways of containing costs, removing risk, and protecting what matters most both now and in the future. Everything we do is designed to help you spend less, but achieve more.
Get in contact with us
Better insurance solutions are closer than you think. Get in touch to learn how we can create new value for your business.
Latest Downloads
Looking for learning tools? We have all the resources to support your business as you go on your employee benefits journey. Click to access in-depth reads from our team of global experts.
Criteria for Employer-Owned Life Insurance
IRS Form 720 and PCORI Fees
ACA Affordability Contribution Percentage Test
Nurturing Top Talent with Tailored Rewards
How Employee Benefits Can Strengthen Your Captive
Award Winning Captive Consulting and Management Suite
A flavor of our experience
We have helped hundreds of businesses incorporate high-quality, affordable benefits plans that maximize employee coverage while minimizing costs. Read our case studies to see first hand how we make the world of employee benefits easier to manage.
Ryan Mitchell
Global Accident & Health Leader and Reinsurance Deputy Partner
Jay Tunstall
Non-Executive Director
Adam May
Global CRM & Automation Systems Manager
Our leadership team
Wisterm is a company of strength, depth and ultra-high performance. We credit our success to our unwavering client service, powerful relationships, and to the diverse backgrounds, experience and character of our people. Learn about the executive team that helps support our business growth.
How the Inflation Reduction Act of 2022 Impacts Medicare Part D and Employer-Sponsored Coverage
The Inflation Reduction Act of 2022 introduces significant changes to Medicare Part D that could impact your company’s prescription drug coverage. From new out-of-pocket caps to insulin pricing, these updates may affect your plan’s status as “creditable” coverage.
ACA Affordability Safe Harbor Adjustment for 2025
The IRS has announced an increase in the ACA affordability threshold to 9.02% for 2025. This change may require employers to adjust health coverage contributions to remain compliant with ACA regulations and avoid penalties. Learn more about how these updates impact your responsibilities as an employer.
What do Employers Need to Know about RxDC Reporting?
Employers are now required to submit annual RxDC reports detailing prescription drug and healthcare spending under the Consolidated Appropriations Act. This blog covers the key reporting requirements, deadlines, and steps to ensure compliance with federal regulations.
Are You Complying with the Gag Clause Prohibition?
Employers sponsoring group health plans must comply with the Gag Clause Prohibition under the Consolidated Appropriations Act of 2021. This blog outlines key employer responsibilities, the steps for completing the required Gag Clause Prohibition Compliance Attestation, and tips for ensuring compliance to avoid penalties.
Using Voluntary Benefits to Boost Employee Retention
The pandemic and Great Resignation have forced employers to get more serious…
Start your journey with us
We help you remove the burden of business risk and employee benefits planning, and harness its strategic potential. Make the best decisions for your business and get in touch today.