MacDonald Consultants helps employers design sustainable, cost-effective employee benefits programs. As an independent firm with over 35 years of experience, we bring transparency, strategy, and care to every client relationship, helping you attract great people, manage costs, and stay compliant.
Smarter Employee Benefits for Small and Mid-Sized Businesses
Health insurance costs continue to rise, and many small and mid-sized businesses feel stuck with limited options, unpredictable renewals, and confusing compliance requirements.
As independent benefits consultants, we help you uncover hidden cost drivers and implement transparent, data-driven strategies along with the compliance and tech support to keep you safe. From level-funded to self-funded to the growing market of health captives, you can manage cost and create better outcomes for your employees.
When Benefits Feel Like a Burden, It’s Time for a Better Strategy
We’ve spent decades refining a clear, proven approach to helping employers design better benefit plans.
We know what works, and we know the glitches along the way because we have had to troubleshoot them. We stay on trend with the changing and growing eco system of vendors so we know how to guide you through it with transparency, strategy, and genuine care every step of the way. From your first plan review to ongoing support, you’ll always know where you stand and what comes next.
The MacDonald Method
Review Your Current Plan
We benchmark your existing benefits using independent assessment tools like Plan Grader™ to identify cost drivers, risks, and opportunities for improvement.
Analyze & Compare Options
We evaluate medical underwriting, funding methods, and carrier choices to find the most cost-effective, compliant solutions.
Design & Implement Your Plan
We finalize a custom benefits strategy, from medical and dental to ancillary coverage, aligned with your goals, budget, and employees’ needs.
Year-Round Support
From open enrollment to renewals and compliance, we provide ongoing guidance, technology support, and service every step of the way.
We’ve spent decades refining a clear, proven approach to helping employers design better benefit plans.
We know what works and we know the glitches along the way because we have had to troubleshoot them. We stay on trend with the changing and growing eco system of vendors so we know how to guide you through it with with transparency, strategy, and genuine care every step of the way. From your first plan review to ongoing support, you’ll always know where you stand and what comes next.
The MacDonald Method
STEP 1
Review Your Current Plan
We benchmark your existing benefits using independent assessment tools like Plan Grader™ to identify cost drivers, risks, and opportunities for improvement.
STEP 2
Analyze & Compare Options
We benchmark your existing benefits using independent assessment tools like Plan Grader™ to identify cost drivers, risks, and opportunities for improvement.
STEP 3
Design & Implement Your Plan
We finalize a custom benefits strategy, from medical and dental to ancillary coverage, aligned with your goals, budget, and employees’ needs.
STEP 4
Year-Round Support
From open enrollment to renewals and compliance, we provide ongoing guidance, technology support, and service every step of the way.
Most business owners would rather do just about anything than deal with health insurance, and that’s where we come in. MacDonald Consultants delivers a measurable cost reduction for small to medium-sized businesses by designing smarter benefits packages.
Employee Benefits, Done Right.
Tailored medical options balance 4 levers: Cost, Benefits Coverage, Network, and Ease of use for members.
Core Health Insurance
Dental, vision, life, disability, and other supplemental coverage that strengthens retention and supports employee well-being.
Ancillary Employee Benefits
Flexible tools like HSA, FSA, HRA, and Section 125 plans that help employers and employees make the most of their benefits.
Plan Add-Ons & Accounts
Where Progress Meets Partnership
From construction and manufacturing to professional services, we help employers across Florida and other states create employee benefits programs that deliver better care, stronger retention, and long-term savings.
MacDonald Consultants has been privately owned since 1987, giving us the freedom to put our clients first in everything we do. Because we’re not tied to any carrier or commission structure, every recommendation is made with your best interest in mind. It’s advice you can trust, backed by experience and genuine care.
Through our partnership with Mitigate Partners, we combine national expertise in cost-saving strategies with the personal service and relationships that have defined our firm for decades, so you always feel supported, informed, and confident in your plan.
We’re also proud to be a Certified Health Rosetta Advisor, a designation that aligns with our commitment to doing what’s right for our clients.
Independent. Transparent.
Invested in Your Success.
TRUSTED BY
They have stayed ahead of the game, providing strategic options that align with our business objectives and employee needs. We have been able to offer comprehensive benefit packages while maintaining cost in a volatile market. It has always been a pleasure working with Laurie and her team and I recommend her whenever I have the opportunity.
"Laurie and her group have provided customer care and benefit consultation services beyond what is expected for numerous years for our company."
The MacDonald Difference
Custom strategies that reduce waste and improve value
SMARTER PLAN DESIGN
Clear guidance that keeps your business protected.
Compliance Confidence
Hands-on support through every renewal and change.