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We offer customized group health insurance solutions designed to meet the specific needs of your business. Whether you prefer fully insured, partially-self-insured or level-funded plans, our expertise ensures you can find the right coverage for your team while managing costs effectively. With access to a wide range of options from top carriers, we help you create a benefits package that prioritizes quality care, financial stability, and flexibility, supporting your employees’ health and your organization’s goals.
Individual Coverage Health Reimbursement Arrangements (ICHRA) and Qualified Small Employer Health Reimbursement Arrangements (QSEHRA) provide flexible, cost-effective alternatives to traditional group health insurance. These arrangements allow employers to reimburse employees tax-free for individual health insurance premiums and qualified medical expenses, offering greater choice and personalization. Both options empower employees to select the coverage that best meets their needs, helping employers control costs while still supporting their team’s health and well-being.
Reference-based pricing offers a cost-effective approach to managing healthcare expenses by setting a standard reimbursement rate for services, typically based on a percentage of Medicare reimbursement rates to providers. This model allows employers to control costs while still ensuring access to quality care for employees. With reference-based pricing, employees can receive care from any provider, but the reimbursement is based on the predetermined reference rate, helping reduce over payments to high-cost providers. This solution provides flexibility and transparency, enabling businesses to offer competitive health benefits while keeping healthcare costs manageable.
Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) are powerful tools that help employees save on healthcare costs while providing tax advantages. HSAs allow employees to set aside pre-tax dollars for qualified medical expenses, with the added benefit of rolling over unused funds year after year and potentially creating a savings plan for future health care expenses. FSAs, on the other hand, allows employees to use pre-tax dollars for a wide range of medical, dental, and vision expenses, though funds need to be used within the plan year. Both options offer employers a cost-effective way to support their employees' healthcare needs, giving them greater control over their expenses while enhancing their overall benefits package.