Group Health Insurance
Better rates, because the risk is shared.
Group enrollment through an employer spreads risk across the whole workforce, which is why group PPO coverage generally prices well below what the same employee would pay buying an individual policy on their own.
Why employers offer it
What group coverage does for a company
Lower cost per employee
Group rating spreads risk across your workforce rather than pricing each person individually. Employees typically access broader PPO networks for less than they'd pay alone.
Recruiting and retention
When two offers are close on salary, benefits decide it. Coverage is also among the most common reasons good employees stay put.
Tax-favored contributions
Employer contributions toward group premiums are generally deductible, and employee contributions can typically be made pre-tax. Confirm specifics with your CPA.
Group health is also the gateway to the payroll tax program
Employees have to carry qualifying health coverage to participate in our Section 125 program. For a lot of companies, putting a group plan in place is step one and the payroll tax savings follow — often paying for a meaningful share of what the group plan costs.
What we do
How we handle a group placement
Understand the group
Headcount, hours, ages, locations, what you're paying now, and what your people have complained about. That last one usually tells us the most.
Shop multiple carriers
We're independent, so we compare across major national and regional carriers rather than defaulting to one relationship.
Present options side by side
Premium, deductible, network, and what it costs the company versus the employee — on one page, comparable at a glance.
Run enrollment
Employee meetings, enrollment support, and answers to the questions your HR team would otherwise field for three weeks.
Stay on the account
Claims problems, ID card issues, adds and terminations, and a real renewal review — not an auto-renewal notice in the mail.
We work with major national and regional carriers, including UnitedHealthcare, Ambetter, Blue Cross Blue Shield, Humana, Oscar, and many others.
We're an independent agency and shop across carriers rather than push one product. Availability, provider networks, plan benefits, and pricing vary by state, by county, and by eligibility. Carrier names are shown for identification only and do not imply endorsement by that carrier.
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