Carrie Espinosa
Owner & Principal Advisor
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Kristin Espinosa
Office/Operations Manager - Bilingual
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Sheri Hokin
Employee Benefits & Medicare Specialist
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Elana Cepa
Individual Health and Life Specialist
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About Us

At Horizon Benefit Services, we’re more than a broker—we’re your strategic partner from hire to retire. We keep things simple, honest, and personal, because our clients are never just numbers. We’re large enough to deliver smart, innovative solutions, yet small enough to truly care. That’s why businesses and families continue to place their trust in us, year after year.

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Employee Benefits

Whether you're a growing business designing your first employee benefits package, an established company looking for better value and service, or an individual approaching retirement, we provide tailored solutions for every stage of life and work.

We specialize in simplifying the complexities of group benefits, compliance, and cost management for employers who want to attract and retain top talent. As your workforce evolves, we’re with you every step of the way—offering expert guidance and technology tools to support onboarding, benefits education, regulatory compliance, and retirement transitions.

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Medicare

We are Medicare experts. For individuals nearing or in retirement, we bring clarity and care to health insurance and Medicare planning. We help clients understand their options with confidence and select coverage that meets both their healthcare needs and financial goals. Our team is licensed, certified, and represents multiple carriers across multiple states.

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Individual Insurance

If you are self-employed, retiring early, or otherwise need help purchasing an individual or family health insurance plan, we have solutions! From Affordable Care Act plans to indemnity plans or out-of-the-box solutions, we will help you understand your options and make an informed insurance decision. We also offer complete insurance solutions including dental, vision, life insurance, and more.

Our History

Horizon Benefit Services has deep roots in our local community, dating back to Chuck Jones in the 1980s. Chuck is forever remembered for his love of the Church, music, and people.

In the 1990s, leadership passed to Paula Kliewer, who dedicated herself to meeting the employee benefit needs of local nonprofits and churches. Her years of service laid a strong foundation for the Company’s growth.

In 2008, Carrie Espinosa joined the Horizon team after several years with a multi-line insurance company. In 2013 Carrie became the Owner and Principal Advisor, broadening Horizon’s services to include Medicare and senior products.

Most recently, in 2024, Sheri Hokin entrusted Carrie and the Horizon team with her valued Employee Benefit and Medicare clients as she entered retirement—another milestone in Horizon’s story of growth and stewardship.

Through every chapter, Horizon has remained committed to one guiding principle: exceptional service. We still proudly answer our phones and are grateful to serve businesses, nonprofits, and individuals across Illinois and Wisconsin.