Start to Finish

Three Steps, About a Week End to End

You spend roughly an hour total. We spend the rest of it on carriers and paperwork.

1

Start With One Call

Or the form above, whichever is faster. The first conversation takes about fifteen minutes.

2

We Build the Options

Side-by-side plans from the carriers active in Tennessee, with the catch in each one spelled out rather than buried.

3

Enroll and Hand Off the Admin

We submit everything, brief your employees, and stay on as the people they call with coverage questions.

$0

Broker
Fees

Why Moran

The Broker Who Works For You

You will work with Amanda or Erik directly, from the first quote through every renewal. No account handoffs, no call center queue, no rotating rep who does not know your group.

Ongoing, Not Transactional

Mid-year additions, claims escalations, and renewal strategy stay part of the service.

A Real Person, Every Time

You get Amanda or Erik directly, not a call center. Same broker from quote to renewal.

We Handle the Paperwork

Enrollment, renewals, claims questions. We stay with you long after the policy starts.

Plans for Every Budget

From basic MEC plans to full PPO coverage, we find the right fit for your business.

What You Get

The Coverage Your Team Ends Up With

A benefits package that holds up against what larger Tennessee employers are offering.

🏥

Medical, Dental & Vision

Comprehensive coverage options from Tennessee's top carriers including BlueCross BlueShield, Cigna, Aetna, UnitedHealthcare, and more.

💊

Prescription Drug Coverage

Robust pharmacy benefits included with most plans, reducing out-of-pocket costs for your entire team.

📋

HMO, PPO & HDHP Plans

We match your team to the right plan type, whether you need lower premiums, more flexibility, or HSA-compatible options.

🔄

Annual Renewal Support

We re-shop your plan every year at renewal to make sure you're still getting the best rate, always.

👥

Employee Onboarding Help

We walk your new hires through their options, answer their questions, and handle enrollment, so you don't have to.

📍

Multi-State Teams Covered

Have employees across multiple states? We're licensed in 30+ states and can structure coverage for your entire workforce.

Pick the Right Funding Model

Traditional, Level Funded, or ICHRA: We Quote All Three

Tennessee's group market has more options than most owners realize. We price every approach side by side and let the numbers decide.

🏛️

Traditional Group Health

Fully insured coverage from carriers Tennessee employees already know. One fixed premium, predictable renewals, and the simplest plan to administer.

📈

Level Funded Health Plans

A self-funded structure with stop-loss protection built in. Healthy Nashville and Memphis teams often beat fully insured rates, and a low-claims year can put money back in your pocket at renewal.

🧾

ICHRA (Individual Coverage HRA)

Give each employee a set tax-free allowance and let them pick their own individual plan. Ideal for teams spread across Tennessee or across state lines. We manage setup and the compliance paperwork.

What Comes Across Our Desk

Common Tennessee Benefits Problems, and How We Work Them

These are illustrative scenarios rather than testimonials, included to show how we actually approach the work.

10 employees · healthcare staffing firm

Sells into hospital systems that expect its own staff to be covered, so benefits are effectively a sales requirement.

How we approach it: We model the options side by side and tell you which one we would pick if it were our payroll.

5 employees · recording and production studio

Mix of salaried staff and long-running contractors, which makes eligibility the first thing to sort out.

How we approach it: We price fully insured against level funded on the real census, and say plainly which one the roster supports.

25 employees · light manufacturing

Older, tenured workforce where a rough claims year would make an underwritten route expensive.

How we approach it: We quote every structure that could fit and explain the trade-off in each rather than leading with one product.

On the Ground in Tennessee

Tennessee market snapshot

Structural facts about Tennessee that decide which options can even apply to you.

Exchange

Tennessee uses the federal exchange, Healthcare.gov. There is no separate state exchange, and it lists only on-exchange plans, not the group or off-exchange market.

Medicaid

Tennessee has not expanded Medicaid and adult TennCare eligibility is limited, so some employees below the poverty line fall between TennCare and Marketplace subsidies entirely.

Carriers competing here

The small group market in Tennessee includes BlueCross BlueShield of Tennessee, Cigna, UnitedHealthcare, Aetna, and Humana. We compare what is available to a group your size rather than leading with one carrier.

Where your rate comes from

Carriers file rates by rating area, which is why Nashville, Memphis, Knoxville, and Chattanooga price differently for the same roster. Your local healthcare services, music and entertainment, logistics, and manufacturing employers see the same spread. Tennessee's individual and small group markets have stabilized considerably from their rocky years, and BlueCross BlueShield of Tennessee generally carries the broadest statewide network. East, Middle, and West Tennessee price as distinct regions.

FAQ

Common Questions

Straight answers to what Tennessee employers ask us first.

One employee besides the owner is usually enough. Tennessee groups from 1 to 50 employees cannot be turned down for health reasons, so the questions that matter are participation and how much the business contributes.

It is free. Carriers pay us from premiums that are already filed and approved, so there is no scenario where using us costs you more than going direct.

Usually inside two weeks. Same-day quotes are normal, then effective dates are driven by the carrier's cutoff and when your team completes enrollment.

The carriers active in Tennessee's small group market include BlueCross BlueShield of Tennessee, Cigna, UnitedHealthcare, Aetna, and Humana. Tennessee's market has stabilized considerably, and carrier lineups differ enough between East, Middle, and West Tennessee that quotes are genuinely regional. We compare what is available to a group your size and present the options that fit, rather than leading with one carrier's product.

No Tennessee law requires it. Only the federal ACA employer mandate applies, and only to employers with 50 or more full-time equivalent employees. Tennessee has not expanded Medicaid and adult TennCare eligibility is limited, so some employees below the poverty line fall between TennCare and Marketplace subsidies entirely.

Traditional group gives fixed, predictable cost with full guaranteed-issue protection. Level funded underwrites your group and can return part of a healthy claims year, which tends to reward younger teams. An ICHRA replaces the group plan with a defined tax-free allowance, and employees would buy those individual plans through Healthcare.gov or off-exchange. Tennessee's individual and small group markets have stabilized considerably from their rocky years, and BlueCross BlueShield of Tennessee generally carries the broadest statewide network. East, Middle, and West Tennessee price as distinct regions. We price all three against your census before recommending one.

Group Health Insurance for Your Tennessee Team.
Plans for 1 to 50 Employees.

Quote Request Received!

Small business benefits, structured like a large employer's.

Three Steps, About a Week End to End

Start With One Call

We Build the Options

Enroll and Hand Off the Admin

The Broker Who Works For You

Ongoing, Not Transactional

A Real Person, Every Time

We Handle the Paperwork

Plans for Every Budget

The Coverage Your Team Ends Up With

Medical, Dental & Vision

Prescription Drug Coverage

HMO, PPO & HDHP Plans

Annual Renewal Support

Employee Onboarding Help

Multi-State Teams Covered

Traditional, Level Funded, or ICHRA: We Quote All Three

Traditional Group Health

Level Funded Health Plans

ICHRA (Individual Coverage HRA)

Common Tennessee Benefits Problems, and How We Work Them

Tennessee market snapshot

Exchange

Medicaid

Carriers competing here

Where your rate comes from

Common Questions

Ready to Cover Your Team?

Group Health Insurance for Your Tennessee Team.Plans for 1 to 50 Employees.

Quote Request Received!

Small business benefits, structured like a large employer's.

Three Steps, About a Week End to End

Start With One Call

We Build the Options

Enroll and Hand Off the Admin

The Broker Who Works For You

Ongoing, Not Transactional

A Real Person, Every Time

We Handle the Paperwork

Plans for Every Budget

The Coverage Your Team Ends Up With

Medical, Dental & Vision

Prescription Drug Coverage

HMO, PPO & HDHP Plans

Annual Renewal Support

Employee Onboarding Help

Multi-State Teams Covered

Traditional, Level Funded, or ICHRA: We Quote All Three

Traditional Group Health

Level Funded Health Plans

ICHRA (Individual Coverage HRA)

Common Tennessee Benefits Problems, and How We Work Them

Tennessee market snapshot

Exchange

Medicaid

Carriers competing here

Where your rate comes from

Common Questions

Ready to Cover Your Team?

Group Health Insurance for Your Tennessee Team.
Plans for 1 to 50 Employees.