General Intro

When it comes to health insurance, there are two main paths to consider: employer-sponsored plans and ACA (Affordable Care Act) Marketplace plans. Employer-sponsored plans are offered by companies as part of their benefits package.  In this scenario, your employer works with an insurance provider to choose a plan that fits the needs of their workforce. and the employee, typically receive guidance and support from your company's HR department when selecting your coverage.  In contrast, ACA Marketplace plans are obtained by individuals or families directly through the government-run Marketplace.  Here, you'll take a more individual approach,  researching plans offered by different insurers and selecting the one that best suits your specific needs and budget.

How It Works

Consultation

Confused about your business health insurance options? Our free consultation helps! We'll assess your company size, employee needs, and budget to find the perfect fit –  business plan or ACA plan.

Solutions

Don't overpay for health insurance! We work with you to find cost-saving strategies. This might involve shopping around for quotes, negotiating better rates, or choosing plans with tax advantages.

Healthcare Benefit Plans for Businesses

These are programs and services offered by companies to help their employees stay healthy and manage healthcare costs. They typically come as part of your compensation package and can include health insurance, wellness programs, and vision or dental coverage.

Health insurance isn't mandatory for businesses under 50 employees, but it's a smart investment. It attracts top talent, keeps employees healthy and productive, and can even save you money.  Strong benefits packages are a magnet for skilled workers, and health insurance costs are typically tax-deductible. Plus, companies with less than 25 employees may qualify for tax credits that lower their health insurance premiums.

Types of employee health benefits

Insurance

• Health Insurance
• Dental Insurance
• Vision Insurance
• Life Insurance
• Disability Insurance

Wellness Programs

• Disease Management
• Programs
• Fitness Programs
• Mental Health Programs

Other Benefits

• Flexible Spending Accounts (FSAs)
• Health Savings Accounts (HSAs)
• Paid Time Off
• Employee Assistance Programs (EAPs)

Impact on Your Business

Attracts & Retains Top Talent

Health insurance attracts top talent by offering financial security and showing you value their well-being. Strong benefits can tip the scales in your favor when competing for skilled workers.

Healthier & Happier Workforce

Coverage encourages preventive care and timely treatment, leading to fewer sick days and a more productive, focused workforce. Reduced healthcare costs for employees can also boost morale.

Tax Savings Opportunity

Employer contributions toward health plans are often tax-deductible as a business expense, lowering the overall cost of providing this valuable benefit.

ACA (Affordable Care Act) Marketplace plans

The ACA (Affordable Care Act) Marketplace offers a path to quality health coverage for individuals and families.  Whether you're self-employed, work for a small company without health benefits, or simply exploring your options, the Marketplace can connect you with a variety of plans to fit your budget and healthcare needs.

What Does ACA Cover?

These 10 health benefits are the minimum requirement for any plan offered on the ACA Marketplace.

• Doctor visits & outpatient care (combines ambulatory and outpatient services)
• Emergency care
• Hospital stays
• Lab tests
• Maternity & newborn care
• Mental health & substance abuse treatment
• Pediatric care (including dental & vision for children)
• Prescription drugs
• Preventive care & chronic disease management
• Rehabilitation services & devices