Group Health Insurance,
Made Simple
Whether you're a small business owner or lead HR for a growing team, choosing the right group health plan can feel overwhelming. We'll walk you through your options, Traditional Group, MEWA, and ICHRA, so you can offer great benefits without the guesswork (or the sticker shock).
Compare Your Group OptionsThere's More Than One Way
to Cover Your Team
Not every business fits the same insurance mold, and that's a good thing. Today, employers have three solid paths to offering health coverage, each with its own advantages depending on your team's size, health, and budget. Below, we break down each option in plain English, so you can decide what makes sense for your business.
Comparison at
a Glance
| Traditional Group | MEWA | ICHRA | |
|---|---|---|---|
| Who picks the plan | Employer | Employer | Employee |
| Medical questions | None | Yes | None |
| Relative cost (pending verification) | Baseline | ~30% less than Traditional | Up to 40% less than MEWA |
| Best fit | Groups with mixed health needs | Healthier groups | Businesses wanting flexibility & savings |
* Relative cost figures pending verification.
Not Sure
Which Option
Is
Right for You?
Every business is different, and the "best" plan depends on your team's size, health profile, and budget. That's where we come in. We'll help you compare your options side by side and find the plan that fits your business like it was built for you.
We'll discuss your company, employees, goals, and budget.
We'll review multiple carriers and benefit strategies, including traditional group insurance, MEWA, and ICHRA, to identify the best solutions.
Together, we'll create a plan that fits your business and supports your employees.
We're available year-round to answer questions, assist employees, and support your business as it grows.
At No Cost to You
Have questions in the meantime? Give us a call, we're happy to walk you through it.
Additional Employee Benefits
A strong benefits package goes beyond medical insurance. We can also help you offer:
Dental Insurance · Vision Insurance · Group Life Insurance · Disability Insurance · Supplemental Benefits (Accident, Critical Illness, Hospital Indemnity, Cancer Insurance)
Frequently Asked Questions
A MEWA (Multiple Employer Welfare Arrangement) pools your business together with other employers, often through a local chamber of commerce, to access group buying power that most small businesses could not get on their own. Health questions apply, unlike a traditional group plan, and it typically runs cheaper than a traditional group plan (pending verification of the exact figure). It is a strong fit for employers with a relatively healthy team who want meaningful savings while keeping the simplicity of a traditional group structure.
Requirements vary by carrier and plan, but many businesses with as few as two employees may qualify.
Not necessarily. Depending on your company, an ICHRA or MEWA may provide greater flexibility or savings. We'll help you compare all available options.
With an ICHRA, yes. Employees can select individual coverage that best fits their needs. Traditional group plans offer employer-selected plan options.
Absolutely. We provide year-round support for employers and employees, not just during open enrollment.
Our consultation and support is at no cost to you. We'll review your options, answer your questions, and help you determine the best strategy for your business.