Every way to cover a small team

This is the option most owners picture when they think of company health insurance. You pick a plan, you pay a set premium each month, and the carrier handles every claim. Nothing is unpredictable, which is exactly why plenty of small businesses stay here.

• 1
  Rates locked for the plan year

  No mid-year surprises. Your budget is your budget.

• 2
  Nationwide PPO networks available

  Important once you have people working remote or crossing state lines.

• 3
  Simplest option to explain to employees

  Fewer questions at open enrollment, less admin for whoever runs your office.

Level-funded sits between fully-insured and self-funded. You pay a level monthly amount that covers claims, admin, and stop-loss insurance. If your group is healthy and claims run under projection, a share of the surplus comes back to you at year end. For a young, healthy team of 5 to 50, this is often where the real savings are hiding.

• 1
  Potential year-end refund

  Healthy groups routinely see money returned that a fully-insured plan would simply keep.

• 2
  Claims data you can actually see

  You learn what is driving cost instead of guessing at renewal.

• 3
  Stop-loss caps your downside

  A bad claims year is capped — you are not exposed to unlimited risk.

Instead of choosing one plan for everybody, you set a budget and each employee buys the individual plan that suits them. The allowance is tax-free to them and tax-deductible to you. This is the cleanest answer for teams spread across Florida, Texas, and Nevada, or any business that wants a benefits number that never moves.

• 1
  You control the exact monthly cost

  Set the allowance, and that is your spend. No renewal shock.

• 2
  Works across state lines

  Each employee buys in their own market — no network gaps to manage.

• 3
  Employees keep the plan if they leave

  It is their policy, which many people genuinely prefer.

Dental, vision, life, accident, critical illness, and short-term disability — offered as employer-paid or voluntary. Quoted and administered alongside your medical plan so there is one enrollment, one renewal date, and one person to call.

• 1
  Dental and vision

  The two most-requested add-ons, and usually the cheapest way to make a package feel complete.

• 2
  Accident and critical illness

  Cash paid straight to the employee — valuable for trades and physical work with higher deductibles.

• 3
  Group life and disability

  Guaranteed-issue amounts with no medical questions at most group sizes.