Koss Benefits Financial & Insurance Services is a full-service, independent insurance and employee benefits brokerage and consulting firm specializing in the design and implementation of all types of life and health insurance and retirement plans. We are one of greater Washington, DC's leading employee benefits firms, providing specialized planning using Managed Care, Traditional Health Insurance, Consumer-Directed Health Care and Health Care Savings Accounts; Disability Income Insurance; and Retirement and Cafeteria Plans.