Health Insurance

We will help you navigate the healthcare process so you can hire and retain top talent. In general, health insurance is the first priority for employees and is the second largest expense for employers behind payroll.

Small Business (under 51 employees)

Some employee benefits feel like a nice bonus, but in most cases, employees see healthcare as a core part of the compensation package–arguably as important as the salary itself. Buying health insurance for your business to recruit and retain staff and increase the likelihood that they will be fit to work.

Since the Affordable Care Act took effect, the medical history and pre-existing conditions of the employees do not matter. Because you are pooling the risk with group health insurance, the price your business pays per employee is usually much less than the average amount they would pay if they bought insurance individually.

Group health insurance also comes with tax benefits. The premiums you pay as an employer are fully tax deductible.

Ready to offer your employees health insurance? We can help you weigh your options.

Large Business (over 50 employees)

Benchmarking data can play an important role in determining what you want to offer. It ensures that you measure comparably to your competition as an employer and allows you to see trends in the market both regionally and nationally.

In the mid to large markets of group health insurance, there are many options and scenarios to choose from including fully-insured, level-funded (aggregate only), captives and self-funded products. It is necessary to spend time analyzing past data through technology and professional services in order to determine the appropriate method of funding in the future. Wellness plans should also be considered when looking at potential options as they can change the behavior and health of your overall population which keeps your trend down compared to the market.