Health Insurance for Your Business or Family
Employer and group plans
As a business owner, offering health coverage as an employee benefit can be a powerful incentive for attracting high-quality employees. When it's part of your company's policy, it can lead to lower costs for everyone. These health insurance plans are designed to support your employees, providing them with a safety net in case of a medical emergency.
Without healthcare coverage, job seekers may prefer opportunities that offer this essential benefit for their families. By working with me, you can customize a policy that best suits your business needs.
Here's how I can assist:
- Save money per person by enrolling multiple individuals on a single plan.
- Secure an affordable policy that meets the healthcare needs of your employees.
- Consult with an experienced agent to determine the most suitable coverage at a competitive price point.
Attract better employees with health benefits
Build trust and security for workers' families
Get lower costs by including more people on a plan
Employee benefits compliance is a crucial aspect of running a business, but it doesn't have to be as intimidating as it may appear. Our agency is committed to assisting our clients in navigating this complex landscape with confidence, ensuring they meet all the necessary requirements and regulations.
Our primary objective is to alleviate any concerns and guide you through the steps required to maintain compliance. I'm here to support you and provide the necessary expertise to help your business thrive.
Don't hesitate to get in touch with me today.
Individual and family healthcare plans
Open enrollment season often brings a deluge of healthcare options, leaving you with endless choices to consider for you and your family. It can be a daunting task to sort through these options, but I'm here to help simplify the process for you.
I collaborate directly with insurance providers to construct a tailored insurance policy that meets your specific needs. This approach streamlines the process and provides you with an affordable and effective healthcare insurance solution that offers comprehensive coverage for your entire family. With our assistance, you can navigate the complexities of healthcare insurance with confidence and peace of mind.
Find the best coverage when working me
Get affordable healthcare that protects your loved ones
Save money for your family
Can a group medical plan help prevent turnover in my company?
Employee turnover can be a costly affair, with estimates suggesting it can equate to anywhere from 6 to 9 months' worth of an employee's salary. Some studies even propose that the cost may be considerably higher, reaching up to twice the annual salary for salaried employees, particularly those with advanced education.
Health benefits, which are the most frequently offered employee benefit, play a pivotal role in both attracting and retaining employees. Many employers view providing health benefits as an investment in their workforce.
By implementing a comprehensive health benefits plan, employers can potentially reduce these expenses significantly. In fact, it's possible to save roughly half of these costs, which can amount to more than $10,000 per replaced employee. This approach not only aids in recruiting new talent but also in retaining existing employees, ultimately proving to be a cost-effective and strategic investment for businesses.
I can’t afford to offer health insurance for my employees. What can I do to provide a benefit package?
Offering worksite benefits to your employees can be a valuable strategy as it enables them to access insurance products that might otherwise be financially unattainable or difficult to qualify for, especially if they have certain health conditions. Typically, these benefits are paid for by the employees themselves through convenient payroll deductions.

These products encompass a range of options, including, but not limited to:
- Dental coverage
- Vision coverage
- Guaranteed issue life insurance
- Medical bridge insurance
- Disability coverage
- Cancer insurance
- Critical illness insurance
- Accident coverage
In addition to helping employees address their ongoing healthcare needs, these benefits can serve as a vital resource for managing medical expenses in the event of a catastrophic health issue.
What is the minimum exposure to offer health insurance to my employees on a group medical plan?
Employers are obligated to contribute a minimum of 50% of the healthcare plan's cost for their employees. This plan must encompass the essential benefits mandated by the Affordable Care Act. It's important to note that under a group plan, employers are not required to cover the portion of the medical insurance premium designated for dependents. However, providing the minimum essential coverage can often be more affordable for employers than anticipated. Moreover, the premiums paid by employers are eligible for tax deductions.
In summary:
- Minimum employer responsibility is to cover 50% of the plan.
- Employees are responsible for paying the dependent portion of the plan.
- Premiums paid by employers can be tax-deductible.
Do you have a question about
Health Insurance?
I'm are ready to answer any of your questions. Reach out today.