Picture Health Benefits Your Best People Stay For
Imagine offering coverage that keeps your team healthy, loyal, and productive — without watching costs run away from you. In one straight-talking conversation you'll see fully insured, level-funded, and self-funded options side by side, hear plain answers from an independent broker working for you, and feel confident your business is protected. With 142+ top-rated carriers in your corner, you choose the plan that fits your budget and your team.
Show Me My OptionsFree & no obligation · Takes about 2 minutesYour info is never sold
Group Medical Benefits Built Around Your Team
A strong group health plan is the anchor of a benefits package people actually stay for. Picture your best employees turning down offers elsewhere because the coverage you provide takes real care of them and their families. Because we’re independent — loyal to you, not one carrier — we shop 142+ top-rated carriers to design a plan that protects your team and respects your budget.
Whether you have 2 employees or 2,000, we’ll talk you through every option — from traditional fully insured plans to level-funded and self-funded alternatives — in plain English, so you can decide with confidence instead of guesswork.
Funding Options Comparison
| Type | How It Works | Best For | Risk |
|---|---|---|---|
| Fully Insured | Carrier assumes all risk. Fixed monthly premium per employee. | Small to mid-size businesses seeking predictable costs | Low — carrier bears the risk |
| Level-Funded | Fixed monthly payments with a claims fund. Surplus refunded if claims are low. | Mid-size companies wanting cost transparency | Moderate — stop-loss protects against large claims |
| Self-Funded | Employer pays claims directly from a trust. Stop-loss insurance caps exposure. | Large employers with stable cash flow | Higher — but full control over plan design |
Plan Design & Customization
Your business is one of a kind, and your health plan should feel like it. We work with you to design coverage that fits your culture and your numbers, so you can picture exactly what your team gets, including:
- Multiple deductible tiers — Choose from high-deductible HSA-compatible plans to low-deductible PPOs
- Copay structures — Office visits, specialist visits, and urgent care copays that make sense for your team
- Prescription drug coverage — Tiered formularies with mail-order and specialty pharmacy options
- Wellness programs — Integrate biometric screenings, smoking cessation, and gym membership discounts
- Telehealth inclusion — 24/7 virtual care access for common illnesses and mental health support
Carrier Access
We hold strong relationships with the nation’s leading health insurance carriers, so you get the broadest networks and the most competitive rates — with those carriers working for you, not against you. Our partner carriers include:
- Aetna — National network with innovative plan designs and wellness programs
- Cigna — Broad national network with global coverage options
- Florida Blue — Blue Cross Blue Shield of Florida — extensive local network
- UnitedHealthcare — One of the largest networks nationwide with robust digital tools
- Oscar — Tech-forward plans with telemedicine-first approach for small groups
- AmBetter — Affordable options with strong preventive care focus
We’ll lay proposals from multiple carriers side by side so you can see networks, premiums, and out-of-pocket costs clearly — and choose with no pressure and no surprises.
COBRA & Administration
Running a group health plan brings paperwork and compliance deadlines — the kind that can quietly trip up a busy business. We take that weight off your plate so you can stay focused on running your company, handling:
- COBRA administration — Federal continuation coverage for employees leaving the company
- ACA compliance — Employer mandate reporting (Forms 1094-C and 1095-C) and affordability testing
- Open enrollment support — Employee communications, enrollment meetings, and decision guides
- HR integration — Seamless integration with your payroll and HR systems for deductions and eligibility
- Renewal analysis — Annual market check to ensure your plan remains competitive on cost and coverage
Frequently Asked Questions
Picture Your Team Taken Care Of
Imagine the relief of knowing your people are covered and your costs are under control. Let’s talk through your options together — free, no obligation, no pressure.