Serving the Midwest
Small Business Health Insurance in the Midwest
Group coverage for Midwest small businesses. I help owners weigh group plans, HRAs like QSEHRA/ICHRA, and ancillary benefits to build a package that fits your budget and your team.
Who this is for
- Small businesses with 2-50 employees
- Startups building their first benefits package
- Owners frustrated with the cost of their current group plan
- Companies competing for talent and adding voluntary benefits
What's covered
Group medical
Fully-insured small group plans from top Midwest carriers.
QSEHRA and ICHRA
Reimburse employees for individual health plans - often more flexible and lower cost.
Ancillary benefits
Dental, vision, life, disability, and voluntary supplemental coverage.
Compliance guidance
ACA reporting, IRS requirements, and enrollment support.
How I help
- 1Understand your team size, budget, and what you want the benefits to accomplish.
- 2Quote group plans and HRAs side-by-side so you can see the tradeoffs.
- 3Handle enrollment communications and paperwork for your team.
- 4Provide year-round support for HR questions, new hires, and renewals.
Frequently asked questions
How many employees do I need for a group health plan?
Most top carriers offer small group plans starting at 2 enrolled employees. Even a 2-3 person business can qualify. I'll help you check your eligibility.
Is a group plan cheaper than employees buying their own coverage?
It depends. Sometimes reimbursing employees for individual ACA plans through a QSEHRA or ICHRA is cheaper and more flexible. I'll compare group vs individual side-by-side for your specific team.
What benefits do I need to offer besides health?
Dental, vision, life, and disability are common voluntary or employer-paid add-ons. They're inexpensive and make total compensation more attractive when you're competing for talent.
Can I offer different benefits to different employees?
Within limits, yes - typically by class (full-time vs part-time, executive vs staff). ACA and IRS rules apply. I'll help you structure it correctly to stay compliant.