Health Insurance For Small Businesses

Remember…it doesn’t cost you anything to use us! We’re licensed and certified to help you enroll in ObamaCare and SHOP plans or set up a self-funding plan that can save you 30%!

Group medical insurance is more complicated today. We have helped hundreds of employers representing thousands of employees as clients in the 2-100 group health insurance market. We have also partnered with many other agencies to help support our larger corporate health insurance clients in the over 100 employee health insurance market. We have the expertise to help your company obtain group medical insurance as well. Simply complete a Group Census Request Form (or click here to complete an online census) and We will present to you your best options.

We will run quotes for group health insurance for all the insurance companies in your area and then recommend plans that will meet your needs and help you accomplish your goals.

We are always available at all times to answer questions, help enroll, dis-enroll, change plans, help with yearly renewal suggestions, get bills paid, and educate all the employees and dependents on the different coverage they have.

When was the last time your agent did an educational seminar for your employees?

We are experts with the SHOP EXCHANGE and with the ACA plan rules and regulations.

Many of our clients save thousands of dollars getting a health insurance credit with our out of the box solutions to their complex health insurance marketplace and SHOP exchange problems. One of our most popular out of the box solutions is the BRIGHT CHOICES EXCHANGE.

We offer many potential solutions for employee health insurance such as: Defined Contribution Plans, Private Exchanges, HSA’s, and health insurance credit plans through the SHOP exchanges.

We can set up for you the following plans at very low costs:

Qualified Transportation Plans

Section 125 Cafeteria Plans

Dependent Day Care Flexible Spending Account

Health Reimbursement Arrangement

Flexible Spending Accounts

Employer Compliance Services

Nippon Dental Life DI Brochure   Standard Census Template

HRA’s, Section 125, COBRA Administration.  Comparison Chart HRA, HSA, FSA, PRA

ACA Penalties for 2020

Employer  penalties still apply for employers with 50 or more full-time employees.

       •    4980 (H) a: must  offer Minimum   Essential Coverage  to at least 95%   of full-time employees.

            Penalty for the 2019 tax year is $2,500 per full-time employee.

       •    4980 (H) b:  Minimum Value  Coverage is not offered or it is not offered at the affordability level of

            9.86%,  and the  employee  receives a subsidy  through  the marketplace.  Penalty for the  2019

            taxyear is $3,750 per full-time employee receiving a subsidy.

 ACA reporting to the IRS will continue to be required.

Our methods lead to Happier Employees, Controllable Costs, and More Time for you.

“BOR” Broker of Record Form will assign us as your Agent quickly if you don’t have a current agent or if you simply want to switch to experience our exceptional service. We will educate your employees on how to use your plan. Only one phone call is necessary to add or terminate employees.  We administer COBRA.  We will answer your questions promptly and accurately.  We will give you out of the box solutions as well as traditional solutions to your problems and hold your hand every step of the way.  Call to to appoint us now!


COBRA vs Marketplace

WORKSITE Insurance 
Competitive benefits can help you attract and retain valuable employees while also reducing turnover and improving your bottom line.
The cost of providing employee benefits continues to escalate and it can be challenging to provide all the coverage options your employees need.

Voluntary benefits  offer solutions to meet your employees’ supplemental insurance coverage needs.

Our comprehensive workplace portfolio includes term life, short term disability, critical illness and accident insurance. Our web-based enrollment system makes it simple for your employees to apply for coverage – no matter their work schedules.


United BOR

Aetna Bor

Free Guide to Premium Reimbursment

Give us a call and see what we can do for you!

Small Business FAQ 2015

ACA Mandate

Employer Share Responsibility Info Link

Ask us about the New Self- Funding Plans that can save your company $$ thousands? 

Small Business Healthcare Tax Credits