As an independent brokerage, we take a consultative approach and help you navigate your benefit options. We represent the major carriers and have extensive experience with their products and service teams. We are passionate about providing exceptional value to you and your employees. 

We have deep expertise in the IL and WI insurance markets and are certified to help employers navigate the SHOP exchange. 

Some value-added benefits of doing business with us include:

  • Customer-centered, personal attention and service.​
  • Commitment to keeping you informed of industry changes and support in complying with employee benefit laws and regulations.
  • Back-end support for employers including assistance with employee benefit guides, cost analysis, etc.
  • Assistance with employee enrollments, changes, and terminations.
  • Availability for 1:1 phone consultations/meetings for employees to understand their benefits and how to maximize their value.


Meet our team

Kristin Herrera, Licensed Office Manager

Kristin Herrera is the Office Manager at Horizon Benefit Services and the backbone of the Agency. From client services to policy issue resolutions, Kristin handles these and other situations with a smile. Kristin has over 7 years experience in the insurance industry, plus over 12 years experience in client services for various industries. Kristin is fluent in Spanish and is passionate about helping clients understand how their health insurance works. 

When not at work, Kristin enjoys being a "soccer mom" to her son and dedicating special "girl time" to her daughters.  She is also pursuing her degree in Business Administration.  

Carrie Espinosa, Owner & Principal Broker

With decades of industry experience, Carrie is passionate about helping employers navigate their health insurance options and find the best coverage at the best price. She likes to think outside of the box and introduce creative solutions to help drive benefits satisfaction. Having been raised by her grandparents, Carrie believes in balancing innovation with personal care and service. She is on the Latino Advisory Committee for Blue Cross and serves as the Legislative Chair for her Chicago ​NAHU Chapter. She is honored to be a trusted resource to many local churches.

Outside of the office, Carrie enjoys spending time with her family and watching her boys play baseball. She also enjoys serving at her Church.