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Group Health Insurance - Let us find your best coverage - small-group health plans for your employees
A small-group health plan helps you attract and keep good employees, and carriers set rates on the ages, locations and number of employees you enroll. Send us a few details and we will compare plans from top-rated carriers – no cost, no obligation. Prefer to talk? Call 800-616-3490.
Group Health Quote Request
Applicant Information:
Have these handy
- Employee census (age, zip, coverage tier)
- Current plan summary and renewal
- Waivers for employees with other coverage
- Payroll records (DE 9C in CA)
Related coverage
Coverage details
What Group Health coverage includes
Group health insurance lets employers offer medical, dental and vision coverage to employees and their families. It is one of the most valued benefits for attracting and keeping good employees, and premiums the employer pays are generally tax-deductible. Under the ACA, small-group plans cannot deny coverage for pre-existing conditions. We compare carriers and plan designs to match your budget and workforce.
- Medical plans - PPO, HMO and HSA-eligible plans from top carriers.
- Dental and vision - Add-on coverage employees value.
- Life and disability - Group term life and income protection.
- Employee choice - Let employees pick from several plans.
- Tax advantages - Premiums are generally deductible to the business.
- HRA alternatives - ICHRA and QSEHRA options that reimburse employees for individual coverage.
Good to know: most carriers require at least 70% of eligible employees to enroll, not counting valid waivers, and an employer contribution of at least 50% of employee-only premium.
Not covered: non-employees, such as most independent contractors, and benefits outside the plan design you choose.
Insurance Application:
Group Health
Required forms
Group Health Supplemental Application (PDF)
Benefits supplements (add any that apply)
Download, complete and email to info@societiesinsurance.com, or attach them with your quote request. More options are listed below.
Contact details
Prefer to talk?
- Toll-Free: 800-616-3490
- East Coast: 706-550-4418
- West Coast: 206-755-0101
- info@societiesinsurance.com
- Mon-Fri 8:00am - 6:00pm, Sat 9:00am - 12:00pm
Group health explained
How group health insurance works
The employer chooses one or more plans, sets how much to contribute, and employees enroll during open enrollment or when they are first eligible.
Medical plans
PPO, HMO, EPO and HSA-eligible plans.
Dental and vision
Add-on coverage employees value highly.
Life and disability
Group term life and short- or long-term disability.
Employee choice
Offer several plans so employees can pick what fits.
Small group size: in most states, small-group plans are for employers with 1 to 50 employees, and in California, Colorado, New York and Vermont, 1 to 100. Larger employers have more plan options and different rules, including ACA employer mandate requirements at 50 or more full-time equivalents.
Setting up a plan
What we need to quote group health
Information to gather
- A census with each employee's age, ZIP code and coverage tier
- Number of eligible employees and waivers
- How much you plan to contribute
- Your current plan and renewal, if you have one
- Preferred doctors or networks
Ways to manage cost
- Offer an HSA-eligible plan with an employer HSA contribution
- Use a defined contribution approach
- Offer multiple plan tiers
- Consider an ICHRA or QSEHRA
- Ask whether you qualify for the small business health care tax credit
Renewal time? Send us your renewal notice at least 60 days before the effective date. We will compare your current plan with alternatives across carriers.
Employee benefits
Build your benefits package
Start with a group health quote, then add benefits employees value.
Benefits
Disability Income
Income protection if employees cannot work.
Get a quote Supplemental application (PDF)Accident & Critical Illness
Lump-sum cash after an accident or diagnosis.
Get a quote Supplemental application (PDF)Employer coverage
This is a general overview. Coverage, availability and pricing vary by state, carrier and policy, and the policy itself controls. Questions? Call 800-616-3490.