Licensed Health Insurance Brokers, 30+ States  |  Call us today: 863-270-9820
Call us today 863-270-9820
Business

Business Health Insurance

Group health plans for businesses with 1–50 employees. We compare dozens of carriers across 30+ states to find the best coverage at the best price, free.

Business Specialists

Real benefits for real teams

Offering quality health insurance helps attract and retain top talent. We make it simple, affordable, and fully managed for you.

Plans for businesses with 1–50 employees
HMO, PPO, EPO & comprehensive coverage options
Multi-carrier comparison from top insurers
Enrollment support and ongoing account management
ACA compliance guidance included
Tax advantages for both employer and employees
40%

Average savings when working with a broker vs. buying direct from a carrier

Zero cost to access our services
Quotes the same day
Licensed brokers in 30+ states manage your account
⚡ 60 seconds, no signup

Try the group health cost calculator first

Compare your 2026 fully-insured renewal vs. level-funded vs. ICHRA. See which path fits your numbers before you talk to anyone.

Open the calculator →

Want a custom broker-built quote instead? Scroll to the full quote form ↓

Free Business Quote

Get your custom group plan quote

Takes less than 2 minutes. Our brokers will review your needs and deliver custom plan options the same day.

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Tell us about your business

Basic info helps us find plans that fit your team size and industry.

Please select employee count
Please select your industry
Please enter a valid 5-digit ZIP code
Please select a priority

A few more details

This helps us match you with the right carriers and plan types.

Please select your state
Please select a timeline
Please make a selection

Almost done! Your contact info

A licensed Moran Insurance Group broker will contact you within 1 business day with custom plan options.

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Please enter your last name
Please enter a valid email address
Please enter your phone number
Please enter your company name
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You're All Set!

Thanks for reaching out. A licensed Moran Insurance Group broker will contact you within 1 business day with custom group plan options tailored to your business.

Need faster help?

📞 863-270-9820
Plan Options

Every plan type on the table

We compare all available group plan types to find what actually fits your business and your team.

Fully-Insured

Carrier bears all risk

Structure
Monthly costFixed
Who pays claimsCarrier
Risk to employerNone
RefundsNever
Best For
1-50 employees
Groups with predictable healthcare needs or cost-conscious employers
Employee Size
  • Solo to large groups (unlimited)
Pros
  • No claims risk to employer
  • Predictable budget
  • Simpler administration
  • Easy to explain to employees
  • Good for small/starting groups
Cons
  • Higher premiums (carrier margin built in)
  • No refunds if claims are low
  • Larger rate increases at renewal
  • Less transparency into actual costs
  • Limited leverage in negotiations
Middle Ground

Level-Funded

Employer shares upside

Structure
Monthly costFixed
Who pays claimsEmployer (covered)
Risk to employerCapped (stop-loss)
RefundsIf claims low
Best For
5-99 employees
Healthy groups wanting predictable costs + refund upside
Employee Size
  • 5+ employees (practical sweet spot)
Pros
  • Fixed monthly payment (predictable)
  • 10-40% lower premiums vs. fully-insured
  • Refund upside (incentivizes wellness)
  • Claims transparency
  • Stop-loss protects against spikes
Cons
  • Requires healthy workforce
  • Stop-loss has per-employee deductible ($5K-$10K)
  • More complex to explain
  • Employer assumes some claims risk
  • Participation thresholds (typically 70-80%)

Self-Funded

Employer bears all claims

Structure
Monthly costVariable
Who pays claimsEmployer
Risk to employerUnlimited (capped by stop-loss)
RefundsExcess reserves return
Best For
100+ employees
Large, financially stable groups wanting maximum control & savings
Employee Size
  • 100+ employees (practical minimum)
Pros
  • Maximum premium savings (20-40% vs. fully-insured)
  • Full claims transparency
  • Employer controls plan design
  • No state insurance premium taxes
  • Significant refund if claims are low
Cons
  • Unlimited claims liability (without stop-loss)
  • ERISA compliance complexity (Form 5500 filing)
  • Requires significant financial stability
  • Higher admin burden
  • Vulnerable to catastrophic claim years
Cheapest Option

Employer Sponsored

Individual policies + employer subsidy

Structure
EnrollmentIndividual (not group)
Plan typeIndemnity/Short-term med
Employer roleContributes % to each employee
RefundsNo (individual policies)
Best For
1-49 employees
Cost-conscious employers; startup/seasonal businesses; affordable healthcare priority
Carriers
  • USHealth (TriTerm, SecureAdvantage)
  • Golden Rule (PremierAdvantage)
  • Individual/short-term medical
Pros
  • Lowest possible cost (50%+ vs. group plans)
  • No group underwriting needed
  • Employees can choose their plan
  • Employer sets contribution %
  • Works for any company size
  • No claims risk to employer
Cons
  • Limited coverage
  • High deductibles ($2,500-$10,000)
  • Pre-existing condition exclusions possible
  • Not "true" group plan (individual enrollment)

Ready to build your team's benefits package?

Get a free, no-obligation group plan quote the same day.

Get Business Quote → 📞 863-270-9820
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