Health benefits your team will actually value.

Two main ways employers offer coverage

A traditional group health plan means the business chooses one or more plans and contributes toward employee premiums. It is familiar and predictable, and it works well for many small and midsize teams.

An ICHRA, an Individual Coverage Health Reimbursement Arrangement, takes a different approach. The employer sets a monthly allowance, and employees use it to buy their own individual Marketplace coverage. The employer gets a controlled, predictable cost. Employees get to pick a plan that fits their own doctors and prescriptions.

Which fits your business?

The honest answer depends on your team size, your budget, where your employees live, and how much administration you want to handle. We will model both approaches with real numbers for your group before you decide, and we will tell you plainly if offering coverage does not make sense yet.

What working with us looks like

We help with plan selection, employee education, enrollment, and the questions that come up all year, not just at renewal. Your employees get a licensed agent they can call, which takes routine benefits questions off your plate.