Attract and retain talent
A real benefits package helps you compete for hires and keep the people you already have. It signals the business is built to last.
Employers
Group health insurance for your business.
Offer your team real benefits without the carrier runaround. A licensed Plansure benefits broker compares carriers and funding types, presents your options side by side, and helps you enroll and administer.
Group health insurance lets your business offer coverage to your employees. There is more than one way to do it, from a traditional small-group plan to level-funded coverage to an ICHRA. A licensed Plansure benefits broker compares the options against your team and helps you run them. Here is how it works.
Carrier names and logos are the property of their respective owners. Plansure is an independent broker, not a carrier.
Is it right for you
Is group health right for your business?
If you have employees and want to offer benefits, group coverage is worth a look. Here is where it tends to fit.
Small groups, 2 to 49 employees
Small-group coverage is built for teams this size. If you have W-2 employees, you likely qualify to offer a group plan.
Level-funded option for healthy groups
Healthier teams can look at level-funded plans, which may return money if claims come in low. We tell you if your group is a fit.
Ancillary add-ons
Round out the package with dental, vision, and life. You can layer these onto a medical plan or offer them on their own.
How it works
How group coverage works with Plansure.
One broker, the real options, and help that does not stop at enrollment.
Step 1
Tell us headcount and state
Start with two things: how many employees you have and what state you operate in. That sets which carriers and plans are available.
Step 2
We compare carriers and funding
A licensed benefits broker compares carriers and funding types, including traditional small-group, level-funded, and ICHRA.
Step 3
We present options side by side
You see your real choices laid out side by side, with the trade-offs of each, instead of a single take-it-or-leave-it quote.
Step 4
We help you enroll and administer
We run enrollment, answer your team's questions, and stay on the account to help administer the plan year after year.
Options compared
Group coverage options compared.
There is no single right answer. The right structure depends on your headcount, your team's health, and your budget. Here is the straight comparison.
Availability, rates, participation rules, and underwriting vary by carrier and state. A Plansure benefits broker reviews the specifics for your group.
Why offer it
Why offer group health.
Benefits do real work for a business, from hiring to retention to a steadier team.
Win the hires you want
Benefits are one of the first things strong candidates ask about. A package keeps you in the running against bigger employers.
Keep your team longer
Coverage gives people a reason to stay. Lower turnover saves the cost and disruption of rehiring and retraining.
A healthier, steadier team
When people can see a doctor and fill prescriptions, they miss less work and bring more to the job.
Possible tax advantages
Group coverage may offer tax advantages for your business. Talk to your accountant about how it applies to you.
Tax treatment of group coverage depends on your business and your situation. Plansure does not provide tax advice. Talk to your accountant about how it applies to you.
Group health FAQs
Questions most clients ask.
- In most states you can offer a small-group plan with at least two W-2 employees. Sole proprietors with no employees usually go on an individual plan instead. Tell us your headcount and state and a Plansure broker confirms which side of the line you are on.
- Traditional small-group is one group plan the business buys from a carrier. Level-funded sets a fixed monthly amount and may return unused funds if claims come in low, which can fit smaller, healthier groups. ICHRA reimburses employees tax-free for individual plans they pick themselves. A Plansure broker compares all three against your group and shows the trade-offs side by side.
- Most carriers require the business to contribute a minimum share of the premium and to meet a minimum participation level. The exact amounts vary by carrier and state. A Plansure broker walks through the requirements for the options you are considering before you commit.
- It depends on the option and the carrier, but group coverage is typically set up to start the 1st of a month once enrollment is complete. We start early so there is no rush, and we handle the enrollment paperwork and employee questions for you.
- Yes. Dental, vision, and life are common ancillary add-ons. You can layer them onto a medical plan or offer them on their own. A Plansure broker can quote them alongside your medical options so you see the full package.
How many employees do I need to qualify?
Small group vs level-funded vs ICHRA?
Do I have to contribute to employee premiums?
How long does it take to set up?
Can I offer dental and vision too?
Get group options for your team.
Tell us your headcount and your state. A licensed Plansure benefits broker compares carriers and funding types and presents your options side by side.
Plansure Insurance is a licensed independent insurance brokerage. We are not affiliated with HealthCare.gov, Medicare, or any government agency.
Carrier names and logos are the property of their respective owners. Plansure is an independent broker, not a carrier. Plansure does not provide tax advice. Talk to your accountant about how group coverage applies to your business.