Group Health Insurance

Affordable, High-Quality Health Coverage for Your Employees

Protect Your Employees & Strengthen Your Business

Offering group health insurance isn’t just a benefit—it’s a powerful way to attract and retain top talent, keep your employees healthy, and improve workplace productivity. Whether you’re a small business owner or managing a larger team, we’ll help you compare health insurance options to find a plan that balances affordability, quality, and flexibility.

  • Compare group health insurance options – HMO, PPO, and custom employer-sponsored plans.
  • Understand costs & coverage – Get clear on employer contributions, tax advantages, and employee benefits.
  • Ensure compliance – We help you navigate Affordable Care Act (ACA) requirements and state regulations.
A group of people are sitting at a table with laptops.

What’s Right for You?

Your Group Health Insurance Options

Small Business Health Insurance (1-50 Employees)

  • Access Affordable Care Act (ACA)-compliant plans with premium tax credits for eligible businesses.
  • Choose from HMO, PPO, and EPO plans that balance cost and flexibility.
  • Allow employees to add family coverage for spouses and dependents.

Large Group Health Insurance (51+ Employees)

  • Employers must offer ACA-compliant plans to full-time employees.
  • Options for self-funded and fully insured plans to control costs.
  • Custom wellness programs, telehealth, and expanded benefits available.

Health Reimbursement Arrangements (HRA)

  • Set up a Flexible Reimbursement Plan instead of traditional group insurance.
  • Employees choose individual health insurance, and you reimburse a set amount for their coverage.
  • Works well for small businesses looking for cost-effective benefits.

Association Health Plans & Professional Group Coverage

  • Some industries and trade groups offer affordable group insurance options for members.
  • Can provide lower premiums by pooling together multiple small businesses.

Still unsure? 

Not sure which plan is right for your business? We’ll help you compare group health insurance options and find the best fit.

Frequently Asked Questions

  • Do I have to offer health insurance to my employees?

    If you have 50 or more full-time employees, the Affordable Care Act (ACA) requires you to offer coverage. Smaller businesses are not required to offer insurance but may qualify for tax incentives if they do.

  • How much does group health insurance cost?

    Costs vary depending on the plan type, employer contributions, and employee participation. Many employers choose to pay 50-100% of employee premiums, while some offer Health Reimbursement Arrangements (HRAs) to help with costs.

  • What are the benefits of providing group health insurance?

    Offering affordable group health insurance helps you attract and retain top employees, reduce turnover, and take advantage of tax benefits while ensuring your team has access to quality healthcare.

  • Can employees choose their own plans?

    Yes! Some employers offer multiple plan options (HMO, PPO, etc.) so employees can choose what works best for them. Others provide HRAs that allow employees to buy their own individual coverage with employer reimbursement.

  • What’s the difference between fully insured and self-funded plans?

    A fully insured plan means your business pays a set premium to an insurance carrier. A self-funded plan means your business takes on the cost of employee claims directly, which can be cost-saving for larger companies.