Employer benefits

Get a quick, personalized employer benefits insurance quote today.

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Ready to offer outstanding benefits to your team? Fill out the form below, and we’ll provide a personalized quote designed to fit your business needs.

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How We Can Help

Here are the clear steps from quoting to implementation:

Discovery Call

  • You will fill out a census with as much information requested as possible.
  • Pre-qualify your business for the options available.
  • Discuss the priorities, your budget, and what our role will be for your company. 
  • A proposal will be emailed in 5-10 business days after we have received all the requested documents.

Proposal Presentation:

  • The main goal of this stage is to finalize the benefits that you will offer the employees.
  • Our group benefits consultant, Andrew Harris, will arrange a video conferencing call to present the plan designs. We request that those who will be a factor in choosing the plan(s) to be present at this stage. [There is no need for employees to be present at this stage.]
  •  A presentation can last between one hour and can take several calls if this is your company’s first time offering benefits.

Submitting Your Case:

  • With benefits in mind, we will request appropriate documentation to submit to the carrier. For example, tax filings, wage reports, and incorporation documents. Additional information may vary.
  • This stage can take 15-30 days.

Implementing Benefits:

  • After the case is approved, member ID cards will be mailed to each employee’s mailing address. 
  • We will do a final call to explain payroll deduction and registration.
  • Our consulting services are available for the duration of the policy. 
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Questions About Employer Benefits Insurance

Employer Benefits Insurance: Get the answers you're looking for.

What qualifies as a “small group”?

Businesses with 1–50 full-time equivalent employees in most states (up to 100 in CA, NY, CO, VT).

Many states require 70%–75% employee enrollment, but it varies. Check your state’s insurance department website for exact rules.

At least 50% of each employee’s premium must be paid by the employer in most states.

If you offer coverage to full-time staff (30 hrs/week), you may choose whether to include part-time (20–29 hrs/week), but must treat all part-time the same[5].

All small-group plans must cover the same 10 ACA essential benefits with no annual or lifetime dollar limits.

How do waiting periods work?

Waiting periods can’t exceed 90 days from hire.

You must allow them to enroll within 30–90 days of hire, depending on your plan’s eligibility period.

Provide each employee with a Summary of Benefits & Coverage (SBC) and report coverage costs on Form W-2.

Dependents (spouse, children up to age 26) must be offered the same group plan, though employer subsidy for dependents is optional.

California, New York, Colorado, and Vermont allow up to 100 employees for small group until 2026.