

I started out a small business owner. I was in a family business involved in retail gas stations, photo shops, and airport parking. Like you, I know taking care of employees is not only the right the thing to do, it’s the smart thing to do – keeping good people a long time is a component of a successful business model. My experience with group health insurance, frankly, pissed me off!
Having an accounting and cost management background, I was always uncovering waste. So when group insurance agents couldn’t or wouldn’t tell me what the underlying costs of medical services were, I tried to find answers. I learned that smaller businesses did not get the institutional discounts large companies got – I was being made to pay retail while the big boys paid wholesale!
So rather than get mad, I got even and founded ECCHIC. Today we have helped hundreds of employers stabilize their programs. Most haven’t had their benefit levels change during the last five or 10 years. Let’s talk and see what we can do for you.


Heather Ambro has
been an integral part of The ECCHIC Group since 2002, beginning her journey as
a part-time employee and advancing to her current role as Vice President. With
a deep understanding of employee health insurance benefits, Heather is passionate
about helping employers navigate the complexities of benefits management. Her
work focuses on empowering businesses to offer competitive benefits packages
without resorting to frequent deductible increases, ensuring sustainable,
cost-effective solutions for clients.
In addition to her
professional expertise, Heather is a dedicated member of the National
Association of Benefit Insurance Professionals (NABIP). She has held several
leadership roles within the organization, including serving as President of the
St. Louis Chapter in 2018.
Beyond the
workplace, Heather enjoys a variety of hobbies such as camping, gardening,
traveling, and reading. An animal enthusiast and community advocate, Heather is
also committed to giving back through volunteer work.
Heather’s
combination of professional dedication, leadership experience, and a focus on
client success makes her a vital part of The ECCHIC Group’s mission to deliver
exceptional value and innovative solutions.
Our team at ECCHIC is here to help you! Every person on our team is working together to help you and your employees save money on health insurance costs.






