Group Health Insurance for Small Businesses
Your employees deserve access to quality healthcare—and you deserve coverage options that make financial sense for your business. Group health insurance is one of the most valued benefits you can offer, helping you attract and retain strong employees while promoting a healthier, more productive team. Whether you’re offering coverage for the first time or reassessing your current plan, we’ll guide you through every step. From understanding premium sharing and contribution strategies to navigating compliance and tax advantages, we break it all down in clear terms. We work with leading carriers across Southern Illinois and offer scalable plans that grow with your company—whether you’re a lean local team or a growing enterprise.
Health Coverage That Supports Your Business
Choosing the right health insurance plan doesn’t have to be overwhelming. We walk you through plan types like PPOs, HMOs, and high-deductible health plans with health savings accounts (HSAs), explaining how they work, who they’re best for, and what to consider based on your team’s needs. We take into account your budget, company size, employee demographics, and goals—whether that’s reducing out-of-pocket costs, offering flexibility in provider networks, or maximizing tax efficiency. Our team compares benefits, copays, networks, and administrative ease so you can feel confident offering a health plan that supports your people and protects your bottom line.
Flexible Options, Real Value
No two companies are the same. That’s why we offer side-by-side comparisons of group health plans from multiple carriers and guide you through cost-sharing strategies.
What We Offer
Plan Design Assistance
We help you understand premiums, deductibles, out-of-pocket maximums, and network differences so you can build a plan that fits.
Carrier Comparison
We quote multiple trusted carriers to find you strong networks and fair pricing with the right benefits for your employees.
Ongoing Support
We’re not just here at sign-up—we help with onboarding, renewals, claims questions, and adjustments as your team grows.
Group Health Insurance FAQs
Do I have to pay 100% of employee premiums?
No. Many employers cover a percentage of the premium and allow employees to contribute the rest. We’ll help you find the right balance.
Can employees add their families?
Yes. Most plans offer options to cover spouses and dependents. We’ll explain how it affects premiums.
Are there options for part-time or seasonal workers?
Some carriers offer limited benefit options for non-full-time staff. Let’s explore what works for your team.
Do you help with compliance?
Yes, we’ll make sure you understand ACA requirements, offer letters, and IRS documentation like 1095-Cs.