Skilled trades workers are hard to find and harder to keep. Offering health insurance helps contractors and construction businesses win bids, cut turnover, and hold onto the crew you trained.
Construction and trades run on skilled people, and the good ones always have other offers. A health plan is one of the few benefits that makes a contractor stand out against larger competitors.
We build plans around how contracting actually works, including variable hours, seasonal swings, and crews spread across job sites.
There is no single right plan. We compare every structure and show you the real numbers so you can pick what fits your team and budget.
The traditional group plan. Predictable monthly premiums, strong carrier networks, and simple administration for your team.
Most familiar
Fixed monthly cost with a potential refund if your team stays healthy. Often the best value for younger, healthier groups.
Cost savings
Reimburse employees tax free for individual plans they choose. Budget control for you, flexibility for your team.
Flexible budget
Round out your package with ancillary benefits that cost little but mean a lot when recruiting and keeping staff.
Complete packageWe have set up plans for general contractors, electricians, plumbers, HVAC, roofers, and more. Here is what we solve.
Losing trained workers to competitors is expensive. Benefits give crews a reason to stay.
Hours rise and fall with the season. We structure eligibility so the plan still works.
Larger commercial and prevailing wage jobs often expect benefits. We help you qualify.
The next generation of tradespeople expects health coverage. Offering it widens your hiring pool.
A quick call about your team size, budget, and what you want the plan to do for you.
We pull quotes across every major carrier and plan structure, side by side with real numbers.
You choose the plan that fits. We handle enrollment, employee questions, and the paperwork.
We manage renewals, adds and drops, and keep your costs in check year after year.
Real pricing depends on your team, location, and plan, but here is a realistic range so you know what to expect. Most employers cover part of the premium and employees pay the rest.
| Coverage | Typical Monthly Range | Notes |
|---|---|---|
| Per employee, single | $350 to $650 | Split between employer and employee |
| Level funded group | Often 10 to 30 percent less | Possible refund if claims stay low |
| ICHRA | You set the budget | Reimburse a fixed amount tax free |
| Dental and vision add-on | $8 to $30 per person | Low cost, high impact for retention |
"We started losing electricians to a bigger shop. Adding a level funded plan stopped the bleeding and cost less than we feared."
"VS Health Benefits set up coverage for my crew of 12 in a week and handled every question my guys had."
"They showed me an ICHRA option I had never heard of that fit my budget perfectly."
Yes. Businesses with as few as two employees can qualify for group or level funded plans, and ICHRA works for almost any size. We find the structure that fits your crew and budget.
Most group plans require at least two enrolled employees. If you have just yourself for now, we can still set you up with an individual or ICHRA approach and grow from there.
Often yes. Health benefits can count toward fringe requirements on certain prevailing wage jobs and make your bid more competitive. We can walk through how it applies to your work.
Single coverage commonly runs about 350 to 650 dollars per month, usually split between you and the employee. Level funded plans can cost less for a healthy crew. We show your exact numbers free.
Yes. We structure eligibility rules so your plan stays compliant and affordable even when hours change through the year.
Free consult. No pressure. No fees. We do the comparison for you and handle the setup.
Most contracting businesses run a mix: W-2 crew, 1099 subs, a couple of office staff, and headcount that swings with the job book. That combination is exactly what breaks a standard group quote — participation minimums, seasonal swings, and workers already covered under a spouse.
Three structures handle it, and which one fits depends on your census rather than your trade. We quote level-funded, fully insured and ICHRA side by side — at no cost to you, because the carriers pay our commission.