About us

Our Insights

Out there is unprecedented regulatory, financial, and competitive disruption in the health care industry. Roles of players are changing rapidly and strategies that made health plans successful in the past will not likely suffice for the future. From what health plans are offering to what employees are demanding. All this means that employers have a lot to keep up with every year.

The Healthcare system is changing. Business models that were once highly effective for health systems may no longer be viable. The focus is now on extracting more value. Clinical outcomes, cost reduction, and quality improvement will be in the spotlight for the foreseeable future.

New models such as value-based care are being introduced as well as others giving consumers more options while helping employers keep their benefit costs contained.

Our Process

Step One

IBAA, meets with you in person or via ZOOM to listen to you to identify and learn what your most pressing needs are. We keep in mind that we are striving to work within your budget and at the same time give your employees the security they need.​

Step Two

From there we evaluate and propose how to go forward in the most productive manner. We want to ensure that your employees know that their employer is offering them the richest benefits available in the marketplace.

Step Three

We then work with you on the most effective way to communicate and implement those benefits to your employees.

The IBAA Difference

What makes IBAA different than your current consultant. Alan has been in this industry for 30 + years. IBAA continues to retain clients that have been with IBAA for 30+ years. IBAA is a trusted business partner who will advocate for all of your employees. Choosing your companies benefits is the easy part. Having someone who services them for you and your employees is the critical part.

Another benefit of working with IBAA is Alan’s successful track record of reducing your current health insurance costs. He has clients that have reduced those costs by 25%. You ask how?

Partial self-funded insurance is the key. Now more than ever it is the time to explore this benefit. In the wake of COVID 19, renewals will be large ones. Partial self-funded plans can contain that renewal. Whether your group is 5 employees or 1,000+ employees there is a plan out there that will fit your companies needs. 

Our Team

Alan Schulman

Alan Schulman

President

Alan started his career in 1980 as a Certified Financial Planner and transitioned into the insurance industry in 1988 to work with company owners.

Jennifer Berman, Esq.

Compliance Officer

As an employee benefits attorney, Jen routinely negotiates service contracts and drafts employee benefit plans, summary plan.

Joel White

Horizon Government Affairs

A veteran of Capitol Hill who served as staff director for the Ways and Means Health Subcommittee. Since then, we have built an impressive.

Alan Schulman

President
Alan Schulman
Alan Schulman is President of Insurance Benefits and Advisors. IBAA is a leading diversified comprehensive insurance brokerage and advisory practice specializing in life insurance, health and welfare services, retirement plan consulting, property & casualty insurance, and wealth management. Alan started his career in 1980 as a Certified Financial Planner and transitioned into the insurance industry in 1988 to work with company owners on their employee benefits. Alan is licensed in health, life, long term care and all lines of business insurance, and assists top executives in creating and preserving wealth and a secure retirement. Alan is past President of The Greater Washington National Association of Health Underwriters (GWAHU) and is past President of the Maryland Association of Health Underwriters (MAHU). He is a lifetime member of the Leading Producers Round Table of the National Association of Health Underwriters (NAHU), and was appointed in 2010 to sit on the Board of Directors for NAHU’s political action committee, the Healthcare Underwriters Political Action Committee (HUPAC). On March 6th, 2014 Alan testified before the U.S. Congressional Small Business Committee, representing NAHU and his client CAHC.org, on the impact of the Patient Protection and Affordable Care Act (PPACA, commonly referred to as “Obama Care”), on small and medium size businesses. Alan currently serves on the Joint Legislative Task Force in Maryland, and meets with legislators in Annapolis to assist in the creation of laws that positively affect the cost of health insurance. He was an original member of the MD and DC Health Insurance Exchange Advisory Committees. Passionate about serving his community, Alan is a member of the Maryland Nonprofits Association and Maryland Association of Community Services (MACS). In 2014, he served on the Board of Directors for Hearts & Homes for Youth, a non-profit organization serving young survivors of neglect and abuse. Alan is a board member with JCRC. He is also an active member of the Metro Bethesda Rotary Club. Alan and his wife Robin have been married for 35 years and have resided in Olney Maryland for 33 years, where they raised their two daughters.

Jennifer Berman, Esq.

Compliance Officer

Jen Berman is an employee benefits attorney. In that capacity, Jen routinely negotiates service contracts and drafts employee benefit plans, summary plan descriptions and employee communications. She also reviews client benefit programs for compliance with the Internal Revenue Code, ERISA, HIPAA, COBRA, ACA, wellness plan rules and other applicable statutes.

Since the passage of the Affordable Care Act in 2010, Jen has also become an “ACA compliance educator.” She is a leader in analyzing health care reform developments and frequently serves as a speaker and commentator on a wide variety of health care reform and employee benefits issues.

In addition to serving as CEO of MZQ Consulting, LLC, Jen is also a member of Holder Law Group LLC. Prior to joining Holder Law, Jen practiced at Venable LLP as part of their Employee Benefits and Executive Compensation practice group. Jen graduated cum laude from the University of Pennsylvania Law School, where she was Editor-in-Chief of the University of Pennsylvania Journal of Labor and Employment Law. Jen also completed her undergraduate studies at the University of Pennsylvania, graduating magna cum laude with a Bachelor’s of Arts in Political Science. She is an avid lover of textile arts, frequently wearing stunning pieces she has hand-crafted herself.

Joel White

Horizon Government Affairs

Horizon Government Affairs was founded in 2007 by Joel White, a veteran of Capitol Hill who served as staff director for the Ways and Means Health Subcommittee. Since then, we have built an impressive bipartisan team of thought leaders and problem solvers with decades of experience in securing wins for our clients.
As experts in our field, we help our clients pass legislation, change regulations, testify to Congress, and drive the conversation on emerging issues. We do this through creative policy development, data driven-insights, innovative issue campaigns and advocacy strategies and through coalitions of allies we have cultivated for years.
Horizon Government Affairs is trusted by lawmakers, influencers and clients alike because we lead with integrity and get it right the first time.

HR Technology

Free yourself of paperwork  and administrative tasks. Technology that allows on line administration of your employee benefits.

Employee Benefits

We keep in mind that we are striving to work within your budget and at the same time give your employees the security, they need.

Executive Benefits

Highly compensated owners and key employees are limited as to the amount of money they can contribute to retirement accounts.