We are a full-scale brokerage which means we have an unwavering commitment to bringing you the best employee benefits on the market at the best possible rates. Some of the benefits we offer:
Many Americans only have insurance coverages that are offered through their employer. Give your employees the piece of mind of getting these employee benefits with no impact on their take-home pay. Did we mention that it will save your business an average of $550 annually per employee? It’s a real win when employers can support the mental health, wellness, and long-term financial strength of their staff with little to no financial cost to the business or the employee.
Employee + Spouse: $785
Employee + Child(ren): $815
*Must have 20+ employees and plan requires 50% participation
Self-Insured ERISA Plan
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We have dozens of groups with less than 20 employees. We can serve employers down to 2 employees including a husband and wife. Contact us to get plans and pricing.
As long as employers meet participation guidelines community-rated group health plans do not deny coverage for pre-existing conditions.
Partially self-funded plans are great for organizations that manage their resources well and want to take control of the direction of their healthcare. The biggest driving factor in insurance premiums is the cost of healthcare itself. In a partially self-funded plan, claims are paid as they are incurred. The administrator pays claims when they receive claim submissions from a doctor or a hospital. They handle the eligibility to determine if the claim is something that is covered under the plan and the plan design.
Level Funding Insurance is a hybrid of traditional community-rated health plans and self-insured plans. In this model employers only pay premiums and the insurance company pays claims.
A bi-partisan act of both the Obama and Trump administrations, ICHRA plans allow employers to reimburse their employees tax-free for acquiring their own health insurance. Our firm not only administers these plans but we assist employees with making complicated decisions on the plans the employees choose.
MEC (Minimum Essential Coverage) Plans are good for employers who have 50+ employees and have a lot of turnover or that utilize seasonal workers due to the nature of their business.
If you have 50 or more employees you are required to offer group health insurance that meets ACA guidelines and the current year's affordability guidelines.
Yes, we offer coverage down to 2 employees including spouses.
Yes, we offer group medical plans to 1099 workers as well.
On most plans, employers are required to contribute 50% of the employee-only premiums. The only exception is for an ICHRA plan in which the employer determines how much they want to contribute.