Small business group health insurance, made simple
Compare medical plans from top carriers. Get accurate quotes for your business in minutes.
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How it works
Three simple steps to coverage
Enter your details
Tell us your zip code, number of employees, and contact info. Takes less than a minute.
Compare plans
Browse side-by-side quotes from Independence Blue Cross, UHC, Highmark, and more.
Enroll with ease
Pick the plan that fits your budget. Our licensed brokers handle the paperwork.
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Why group coverage works
Built-in advantages that benefit both employers and employees
Tax Advantages
Pay Less in Taxes, Keep More Value
Use pre-tax dollars for premiums, reducing overall taxable income and lowering payroll tax burden for both employer and employees.
Carrier Shopping
Compare Multiple Insurance Providers
We shop across multiple carriers to find competitive pricing and better coverage options tailored to your group size and risk profile.
Self-Funded Plans
Maximum Savings for Healthier Groups
Pay for actual claims instead of fixed premiums. Ideal for groups with predictable usage — offering more transparency and control.
Year-Round Enrollment
No Waiting for Open Enrollment Windows
Add or update employees at any time during the year — no waiting periods. Especially useful for growing companies and seasonal hiring.
Understanding plan types
Choose the structure that fits your team's needs
HMO
Health Maintenance Organization
Lower monthly costs and deductibles with set fees for doctor visits. A primary care provider (PCP) manages your care and provides referrals to specialists.
Best for
- Lowest premiums compared to other plans
- Consistent, coordinated care
Consider
- Limited provider network
- Referral required for specialists
- Full cost for out-of-network care
EPO
Exclusive Provider Organization
Covers care from a larger network of doctors than an HMO. Premiums are higher than HMOs but lower than PPOs. Referrals may or may not be required.
Best for
- Lower premiums than PPO plans
- Large network of doctors for in-network care
Consider
- Only in-network providers covered
- Full cost for out-of-network care
POS
Point of Service
Like an HMO but more flexible — you can see out-of-network doctors at a higher cost. A PCP coordinates your care and may provide specialist referrals.
Best for
- More flexibility than HMOs
- Lower premiums than PPOs
- Flexibility to see out-of-network providers
Consider
- Higher out-of-pocket costs for out-of-network
- May still require a PCP for care coordination
PPO
Preferred Provider Organization
Maximum flexibility — visit any specialist or doctor without a referral. In-network care has lower copays and coinsurance than out-of-network.
Best for
- Broad network of providers
- See any doctor, in or out of network, without a referral
Consider
- Higher monthly premiums
- Higher costs for out-of-network care
HDHP + HSA
High-Deductible Health Plan with HSA
Lower monthly costs paired with a tax-free Health Savings Account (HSA) to pay for care. Higher deductible means more out-of-pocket before benefits kick in.
Best for
- Lower monthly premiums
- Tax-free savings for current and future health expenses
Consider
- Higher deductible before benefits apply
- Best for those comfortable with higher upfront costs
Frequently asked questions
Common questions about group health insurance eligibility and enrollment
See plans and pricing for your team — free, in 2 minutes
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