Group Health Insurance That Attracts Top Talent
Comprehensive medical coverage for businesses of all sizes. Fully insured, level-funded, and self-funded options with access to top national and regional carriers.
Get a Free QuoteComplete Group Medical Benefits
A strong group health plan is the cornerstone of a competitive benefits package. It helps you attract and retain top talent while keeping your workforce healthy and productive. As an independent broker with access to 142+ carriers, we help you design a medical plan that fits your budget and your team’s needs.
Whether you have 2 employees or 2,000, we’ll walk you through every option—from traditional fully insured plans to level-funded and self-funded alternatives—so you can make an informed decision.
Funding Options Comparison
| Type | How It Works | Best For | Risk |
|---|---|---|---|
| Fully Insured | Carrier assumes all risk. Fixed monthly premium per employee. | Small to mid-size businesses seeking predictable costs | Low — carrier bears the risk |
| Level-Funded | Fixed monthly payments with a claims fund. Surplus refunded if claims are low. | Mid-size companies wanting cost transparency | Moderate — stop-loss protects against large claims |
| Self-Funded | Employer pays claims directly from a trust. Stop-loss insurance caps exposure. | Large employers with stable cash flow | Higher — but full control over plan design |
Plan Design & Customization
Every business is unique, and your health plan should be too. We work with you to design a plan that reflects your company culture and budget, including:
- Multiple deductible tiers — Choose from high-deductible HSA-compatible plans to low-deductible PPOs
- Copay structures — Office visits, specialist visits, and urgent care copays that make sense for your team
- Prescription drug coverage — Tiered formularies with mail-order and specialty pharmacy options
- Wellness programs — Integrate biometric screenings, smoking cessation, and gym membership discounts
- Telehealth inclusion — 24/7 virtual care access for common illnesses and mental health support
Carrier Access
We maintain strong relationships with the nation’s leading health insurance carriers, giving you access to the broadest possible networks and rate options. Our partner carriers include:
- Aetna — National network with innovative plan designs and wellness programs
- Cigna — Broad national network with global coverage options
- Florida Blue — Blue Cross Blue Shield of Florida — extensive local network
- UnitedHealthcare — One of the largest networks nationwide with robust digital tools
- Oscar — Tech-forward plans with telemedicine-first approach for small groups
- AmBetter — Affordable options with strong preventive care focus
We’ll present proposals from multiple carriers side by side so you can compare networks, premiums, and out-of-pocket costs before making a decision.
COBRA & Administration
Managing a group health plan comes with administrative responsibilities. We help you navigate compliance and ongoing administration, including:
- COBRA administration — Federal continuation coverage for employees leaving the company
- ACA compliance — Employer mandate reporting (Forms 1094-C and 1095-C) and affordability testing
- Open enrollment support — Employee communications, enrollment meetings, and decision guides
- HR integration — Seamless integration with your payroll and HR systems for deductions and eligibility
- Renewal analysis — Annual market check to ensure your plan remains competitive on cost and coverage
Frequently Asked Questions
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Get a free group health insurance quote for your business. No obligation, no pressure.