Group Health Insurance 10 to 25 Employees
The sweet spot for real optimization. We model fully insured, level-funded, and self-funded options against your actual census and claims history. For multi-state teams we quote carriers in every zip code you have employees.
- Fully insured, level-funded, self-funded & ICHRA modeling
- Census-based quoting across all A-rated carriers
- Renewal negotiation & plan-year audits
- Employee onboarding & open enrollment support
- Compliance guidance (ACA, ERISA, Section 125, COBRA)
Micro-Group 2-9 Employees
Smaller teams often get squeezed between individual market prices and group minimums. We focus on creative structures - PEOs, QSEHRA, small-group fully insured - that fit a tight payroll without sacrificing coverage.
- QSEHRA & ICHRA design for very small teams
- Small-group carrier shopping where it beats ACA
- Spouse / dependent optimization
Family & Individual Coverage
We make sure every subsidy, tax credit, and network option is on the table. Whether you are between jobs, newly self-employed, or shopping during Open Enrollment, we quote every plan available in your zip code.
- ACA marketplace plans (all tiers)
- Off-exchange individual plans when they beat ACA
- Dental, vision, short-term & supplemental
- Subsidy & APTC calculation done right
ACA / Individual Marketplace
Most ACA shoppers leave money on the table because they do not check every subsidy path. We do. We also flag when an off-exchange plan quietly beats the marketplace.
- Full marketplace comparison across carriers
- Premium tax credit (APTC) & cost-sharing reduction review
- Special Enrollment eligibility check
- Year-round income reconciliation guidance
Private Market Plans
Coverage bought directly from carriers instead of through the exchange. These plans are medically underwritten, so they ask health questions and can decline — and for a healthy household above the subsidy cutoff, they often price below an unsubsidized marketplace plan.
- For incomes above the premium tax credit cutoff
- Broad PPO networks where the exchange offers mostly HMO
- Available year-round, not just during open enrollment
- We quote it against your marketplace number, not instead of it
Dental & Vision Insurance
Dental and vision are where small monthly premiums buy real peace of mind. We build these standalone or bundled with your medical plan, and we actually check provider networks before you sign.
- Standalone dental (PPO, HMO, or discount) for individuals and families
- Standalone vision plans including allowance for frames/contacts
- Employer-paid, voluntary, and hybrid funding for groups
- Network check against your current dentist and optometrist
- Bundled savings when paired with medical coverage
Ancillary Benefits
Life, disability, critical illness, accident. On their own they are small. Bundled with medical and dental/vision, they become a real retention tool for employers and a meaningful safety net for families.
- Short-term & long-term disability
- Life insurance (term & permanent)
- Accident & critical illness riders
- Group voluntary worksite benefits