Health Insurance

Group Health Insurance

Attract and retain top talent with a competitive Group Health Insurance plan.
In today’s job market, health insurance isn’t just a perk — it’s a core part of a strong compensation package. In fact, many employees value comprehensive health coverage as much as their salary. Offering a group health plan is a smart, cost-effective way for businesses to support employee wellness while staying competitive in recruiting and retaining top talent.

Flexible coverage for employees and their families.
Plans can be designed to cover employees alone, or to extend coverage to their families and financial dependents. Employers can choose to fully cover the premiums or share the costs with their employees — giving flexibility to design a plan that fits your budget.

Affordable, accessible, and ACA-compliant.
Since the Affordable Care Act, group plans must accept all eligible employees, regardless of pre-existing conditions, which makes coverage more accessible and predictable. By pooling risk across your employee group, group plans generally offer lower premiums than individual plans — making it an economical choice for both your business and your team.

Potential tax benefits for employers.
Group health insurance also offers potential tax benefits: premiums paid by the employer are fully tax-deductible, and certain small businesses may even qualify for tax credits that can cover up to 50% of premium costs.

Ready to explore your options?
If you're ready to explore how offering Group Health Insurance can benefit your business — and your bottom line — we’re here to help you compare plans and find the best fit for your organization.

Individual Health Insurance

Flexible health insurance for individuals and the self-employed.
If you don’t have health insurance through an employer — or if you’re self-employed — Individual Health Insurance offers flexible coverage that can be tailored to your unique needs and budget. Plans vary widely, and with the right guidance, you may find coverage is more affordable than you expect.

Key factors to consider when choosing a plan:
When selecting a policy, it’s important to consider factors such as your current health, your risk tolerance, and your financial situation. The four key elements to review are:

Deductible — how much you pay before your insurance coverage begins
Copayment (or coinsurance) — the portion of medical costs you share
Annual limits — the maximum amount your insurer will pay in a year
Covered services — what treatments, procedures, and prescriptions are included

Preventive care is typically covered.
Most individual plans also include preventive care (such as checkups, screenings, and vaccines) with no out-of-pocket costs, helping you stay healthy and detect potential issues early.

We make the process simple.
While choosing health insurance can feel complex, it doesn’t have to be. Contact us today — we’ll help you understand your options and select a plan that works for you.

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