Dwight Christie Consulting

Innovation: Fresh, creative solutions
Integrity: Honesty and transparency
Excellence: Top-notch services

Health Coverage That Works for Your Life and Your Business

Whether you are an employer building a smarter benefits strategy or an individual searching for coverage that actually fits your life, Dwight Christie Consulting helps you find the right path — with clarity, no jargon, and no pressure.

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How Can We Help You?

For Employers

From small business group plans to large employer benefit design — and the CHAMP Plan’s unique payroll tax savings — we help you build benefits that attract talent, reduce costs, and strengthen your bottom line.

For Individuals and Families

Self-employed, between jobs, or just looking for better coverage? We help individuals and families find health insurance that fits their budget, their healthcare needs, and their stage of life.

Our Signature Employer Advantage: The CHAMP Plan

Most benefits consultants stop at premiums. The CHAMP Plan goes further.

This IRS-sanctioned wellness benefit reduces employer payroll taxes by an average of $573.60 per employee per year — while putting an average of $1,500 more in employees’ pockets annually. Zero out-of-pocket cost to implement. Zero administrative burden. Fully compliant with IRS Section 125.

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A Full Range of Health Coverage Solutions

Beyond the CHAMP Plan, Dwight Christie Consulting provides guidance across the full spectrum of health coverage — from group insurance for employers to individual and family plans to supplemental protection that fills the gaps major medical leaves behind.

Small Group Health Insurance

Benefits strategies for growing businesses that need to attract and keep good people — without overpaying for coverage that doesn’t fit.

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Large Group Health Insurance

Comprehensive benefit design review for established employers focused on cost control, employee satisfaction, and long-term sustainability.

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Individual and Family Coverage

Clear, practical guidance for individuals and families navigating the marketplace — with or without employer-sponsored options.

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Ancillary and Supplemental Coverage

Protection against high deductibles, unexpected bills, and the coverage gaps that traditional health plans were never designed to fill.

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Frequently Asked Questions

We work with two main groups: employers — from small businesses offering benefits for the first time to larger companies looking to optimize an existing benefits strategy — and individuals, including families, self-employed professionals, and anyone navigating health coverage outside of an employer plan. If you have questions about health insurance, there’s a good chance we can help.

No. The CHAMP Plan is one of our most distinctive offerings for employers — it reduces payroll taxes while increasing employee take-home pay — but it’s one part of a broader practice. We also help employers structure small and large group health insurance, and we help individuals and families find coverage through the ACA marketplace and beyond.

It’s a straightforward conversation. We ask about your situation — your current coverage, your goals, your budget, and any specific concerns — and give you an honest picture of your options. There’s no sales pressure and no obligation to move forward. Most people leave with a clearer understanding of where they stand regardless of what they decide to do next.

Yes. A significant part of what we do is helping people evaluate whether their current coverage is actually working for them. If you’re an employer renewing a group plan on autopilot, or an individual who picked a plan during open enrollment without fully understanding the tradeoffs, it’s worth a second look. There’s often more room to improve than people expect.

Utah

When you buy directly or through the marketplace without guidance, you’re evaluating options without a complete picture of what the tradeoffs mean for your specific situation. A consultant’s job is to understand your circumstances first, then help you navigate the options — including ones you may not have encountered on your own. We work for you, not for any single carrier.

Open enrollment is the most common time, but it’s not the only time. Employers can review their benefits strategy at any point in the year. Individuals who experience a qualifying life event — a job change, a move, a new dependent, a change in income — may have access to a special enrollment window outside the standard period. And if you’re self-employed or planning ahead, the sooner the conversation happens the better.

The initial consultation is free. For most services, we are compensated through commissions paid by carriers — which means there is typically no direct cost to you for our guidance. We will always be transparent about how we are compensated so you can evaluate our recommendations with full context.

Why Work With Dwight Christie?

Health insurance is complicated. Dwight Christie Consulting makes it less so.

With 12 years of experience helping employers and individuals in Utah find coverage that works, Dwight takes the time to understand your situation — your budget, your goals, your concerns — and builds a strategy around what actually matters to you. This isn’t about selling a policy. It’s about building a plan that performs when you need it most.

Let’s Talk About Your Coverage

Whether you’re an employer looking to lower costs without cutting benefits, or an individual who’s tired of paying too much for too little, a conversation with Dwight Christie Consulting is a good place to start.

Schedule a Free Consultation