Group Health Insurance Request a Quote Building a successful business is hard work, without the added headache of finding affordable, quality health insurance.Whether you're just starting out, or own a small business with multiple employees, you're going to need help finding and securing health coverage. Who needs a Group Health Plan? Going into business for yourself can be a bit of a gamble. But not insuring yourself, family, or employees only raises the stakes. Group health plans are available for:Self-employed persons who often think health insurance is an unaffordable luxury. But the main purpose of health insurance is to protect your financial future against unexpected medical costs, long-term illness or hospitalization.Small/large businesses who know employer-sponsored health insurance is one benefit workers truly value. In fact, offering a group health insurance plan can make you more competitive, since you can hire and retain the best workers.Health insurance helps protect your finances in the following ways:Discounted rates for medical care. Insurance companies negotiate rates with health care providers. Without that feature, even the cost of a regular checkup or office visit can be twice as high.Spares you unexpected medical costs. Bankruptcy due to hospitalization over an unforeseen injury happens more often than you’d think.Protects your ability to work. If you don’t have your health, it isn’t possible to work.Improves access to quality care. With a group health insurance plan, you gain access to a broader network of health care providers than you would otherwise have.Encourages a healthier lifestyle with regular checkups and preventive care that won’t cost you too much and are likely included in your policy.Shields your business from personal medical costs. Unexpected personal medical expenses can impact your personal liability for medical costs. Health insurance can help you keep your business protected.Hire and retain great workers.Employer-sponsored group health insurance coverage is a valuable inducement to top talent, and an important consideration in complete compensation packages. What kind of health plans are available to business owners? There are two primary categories of health insurance for small business owners and self-employed persons to choose from:Individual and Family Plans purchased by individuals to cover themselves or their families. Self- employed persons often purchase these kinds of plans, even though some may also qualify for small business/group plans.Small Business/Group Plans that are employer-sponsored health coverage. Costs are typically shared between the employer and the employee, and coverage may also be extended to dependents.After that, there are more plan options to choose from:PPO / Preferred Provider Organization plans are the most popular for individuals and families. It’s your responsibility to make sure that the health care providers you visit participate in the PPO. A PPO plan may be right for you if:Your doctor already participates in the PPOYou want to direct your own health care, and can work with the predetermined preferred provider listHMO / Health Maintenance Organization plans offer health care services through a network of providers that contract exclusively with the HMO, or who agree to provide services to members. An HMO plan may be right for you if:You’re willing to coordinate your care through a primary care physician, and follow the rest of the HMO guidelinesYou enjoy preventive care such as coverage for checkups, immunizations and similar servicesHSA-eligible plans are usually PPO plans with higher deductibles, designed for use with Health Savings Accounts (“HSAs”). Similar to a flexible spending account (FSA), an HSA is a special bank account that allows participants to save pre-tax money specifically for future medical expenses. An HSA-eligible plan may be right for you if:You want to pay for health care expenses with pre-tax dollarsYou’re relatively healthy and don’t need lots of care or doctor visitsYou prefer a cheaper monthly premium even if it means having a higher deductibleYou want to “roll over” your contributions each year Get A Quote Name Email Address Phone Additional Info Thank you! Oops!