Gustavo AltuzarraEmployee Benefits Advisor
Areas of Expertise
- Employee Benefits
- Self-Funded Health Plans
- Captives
- Large Group Plans
- ACEC Life / Health Trust
Qualifications
- BS – University of Southern California
- Life and Health Insurance Licenses
- License 0M62658
Gustavo is an Employee Benefits Advisor at Aston Sharp. Gustavo started his career in mortgage banking and in 2008 started a fund to purchase up the undervalued mortgage notes from banks across the country. Being the purchaser of the funds’ health plan – he quickly realized that most health plans lack transparency to claims data and ownership of claims funds.
When Gustavo left the fund in 2015 he shifted his focus to developing partnerships with independent TPAs and Captives to fix these problems he once faced. Gustavo now helps companies with 10-1000 employees put together a strategy for their health plan using alternative funding arrangements such as self-funding and captive programs to lower the bottom line.
Recent Blog Posts
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Compliance Recap November 2025: Gag Clause Attestations, ACA Rulings, FMLA Risks, and COBRA Notices
Dec. 5, 2025 In November, employers prepared for the Gag Clause Prohibition Compliance Attestation, a requirement of the Consolidated Appropriations Act. A federal trial court vacated key portions of nondiscrimination regulations under Section 1557 of the Affordable Care Act that include gender-identity discrimination. A court case reminded employers to stay alert to potential Family and
December 26, 2025 -
Q&A Employer Compliance Guide: COBRA Extensions, Medicare Coordination, and Coverage Obligations
12.4.25 | POLICY FOR SINGLE EMPLOYEE NOW SUBJECT TO COBRA Q. A California company has Kaiser and UHC policies and subject to COBRA. Separately, they opened a Kaiser Hawaii policy for their sole employee in Hawaii who has since left the company. There are no plans to hire another employee in Hawaii. Is the company required
December 26, 2025 -
Dear HR: We’re welcoming several new hires at the start of the year, and our onboarding process always feels rushed. What can we do now to create an improved onboarding experience in January?
Dear HR Manager, We’re welcoming several new hires at the start of the year, and our onboarding process always feels rushed. What can we do now to create an improved onboarding experience in January? — Planning Ahead Dear Planning Ahead, The first few weeks carry significant influence for new team members. Employees who feel supported
December 26, 2025
The next step is to set up a quick call so we could learn more about your employee benefits challenges and goals and explain how we can help you accomplish them.
I cannot say enough about Gus and Michelle. They are always there to help, answer questions. Our company is located outside of Chicago. And when we needed them to come in and do a presentation for renewal, they were here to make sure that it was informative to the employees and process was seamless. Just a great group of people to be working with!
