Health insurance helps cover health care costs.

Individual Health Insurance

Get health insurance with the flexibility of cost and coverage.

If you don’t have health care coverage through your employer, or if you’re self-employed, individual health insurance is essential. Don’t panic about the costs; plans may be cheaper than you expect if you shop around, and you’ll often have a lot of flexibility when it comes to the balance of premium costs and coverage.

What should you consider when choosing a policy?

Depending on your health level and appetite for risk, you can often find a policy and price that’s just right for you. The four main variables to consider include the deductible, copayment, annual limits, and the actual coverage offered in your policy.

Preventative care is typically taken care of.

When getting individual health insurance, insurance providers typically pay up to 100 percent of the costs of preventative health care, such as checkups, screenings, and vaccines. This is an important aspect to know when selecting a health insurance policy.

Group Health Insurance

Hire and retain top talent by providing group health insurance as a benefit.

Offer your employees group health insurance.

In general, group health insurance is the first priority for employees and is the second largest expense for employers behind payroll. We’ll help you navigate the healthcare process so you can hire and retain top talent.

One of the most important benefits to offer employees.

Some employees may prefer a nice bonus, but in most cases, employees see health care as a core part of the compensation package—arguably as important as the salary itself. Buying group health insurance is an economical way for your business to recruit and retain staff while increasing the likelihood that they’ll be fit to work.

Plans range from covering employees only to including dependents.

Depending on the plan, your business may cover employees only or may choose to offer coverage to the family and financial dependents of employees, as well. Additionally, your company may choose to cover the premiums in full or split the cost with employees.

How the Affordable Care Act affects insurance.

Since the Affordable Care Act took effect, the medical history and pre-existing conditions of employees don’t matter. Because you’re pooling the risk, the price your business pays per employee may usually be much less than the average amount they’d pay if they bought insurance individually.

   How much does group health insurance cost?

The costs associated with this type of coverage may vary depending on where your business is based, how many employees you want to cover, and the ages of your employees.

Potential tax benefits available to employers.

Insurance also comes with tax benefits. The premiums you pay as an employer are fully tax-deductible. Very small businesses may also get a tax credit worth up to half the cost of the premiums.

Ready to offer group health insurance to your employees? We can help you weigh your options.