We understand that your employees are the backbone of your business. Offering group health insurance not only supports their well-being—it also helps you attract top talent, reduce turnover, and create a more loyal, productive workforce.
Benefits for Employers:
- Attract and Retain Talent: Health benefits are one of the top considerations for job seekers.
- Boost Employee Morale & Productivity: Healthy employees are more focused and less likely to miss work.
- Tax Advantages: Many premiums are tax-deductible for employers.
- Customizable Plans: Choose from a wide range of coverage options and carrier networks to suit your team's needs.
Benefits for Employees:
- Lower Premiums: Group plans are often more affordable than individual coverage once the employer contribution is factored in.
- Access to Quality Care: Group policies may offer better provider networks and lower out-of-pocket costs.
- Peace of Mind: Knowing that their healthcare needs are covered lets employees focus on their work
Why Work With Us for your Employer Group Insurance:
- Personalized Consultations to understand your budget and goals.
- Plan Comparison & Carrier Negotiation to find the best fit at the best price.
- Ongoing Support for compliance, renewals, and employee onboarding.
Types of Employer Group Insurance
- Fully insured plans: A traditional type of group health insurance where the insurance company is responsible for covering all claims and managing the plan. The employer pays premiums to the insurance company, which then assumes the financial risk of providing coverage and administering the plan.
- Level funded: a type of group health insurance where the employer pays a fixed monthly premium to cover the estimated cost of claims, administrative expenses, and stop-loss insurance. Unlike traditional fully insured plans, the employer assumes a portion of the financial risk associated with claims. If actual claims are lower than expected, the employer may receive a refund.
- ICHRA plans (Individual Coverage Health Reimbursment Arrangement) is a type of health benefit plan offered by employers that reimburses employees for their individual health insurance premiums, allowing them to choose their own coverage. Instead of the employer providing a group health plan, employees can shop for individual plans in the individual/family market and receive tax-free reimbursements from the employer for their premiums and other qualified medical expenses if applicable.
TIP: Seek professional advice from an independent insurance broker to help you with the following:
- Provide unbiased guidance to find plans best suited to your needs
- Compare a variety of plans from different carriers
- Explain the plan benefits and coverage
- Help with initial enrollment and enrollment changes throughout the year
- Shop for plan options at renewal time
All at no cost to you!
Dental, Vision, Life, Accidental Death & Dismemberment
- Voluntary and Contributory plans
- May be paired with medical for bundling discount
Ready to empower your team with better benefits?
Contact us today for a free consultation and quote:
