Group Benefits / Small Business

Coverage your team will actually use, without the enterprise-level headache.

Running a small business means you wear every hat, and “benefits administrator” shouldn’t be one of them. We build group plans for small and mid-size employers — straightforward coverage, clear renewals, and an advisor who picks up the phone when your office manager has a question.

Who this is for

• Small business owners with 2–50 employees adding benefits for the first time
• Growing companies whose current broker stopped returning calls after the sale
• Employers shopping their renewal because rates jumped 20%+
• Businesses that want to offer competitive benefits without breaking the budget

What's covered

• Group health plans — fully insured and level-funded options for small employers
• Group dental and vision — affordable add-ons that boost retention
• Group life and disability — basic coverage as an employer-paid benefit, voluntary options for employees
• Supplemental and voluntary benefits — accident, critical illness, hospital indemnity employees can opt into
• HRAs and ICHRAs — let employers contribute a defined amount toward individual coverage
• Compliance support — ACA reporting, ERISA, COBRA administration guidance

How we approach this at Insured AF

We treat small business clients the way we treat families — because most small businesses are run by families. We sit down with the owner, look at the budget, look at the workforce (ages, family status, who actually uses healthcare), and design something realistic. No bait-and-switch renewal jumps. No mystery fees.

We’re carrier-independent on the group side too. At renewal, we shop the market and give you a real comparison — not just the renewal letter from your current carrier. If staying put is the right call, we’ll say so. If moving saves you 15%, we’ll show the math.

Carriers we work with

We place group coverage through Aetna, UnitedHealthcare, Humana, and BlueCross BlueShield, plus regional carriers in many of the 36 states we’re licensed in coast to coast.

Common questions

How small is too small? We can write groups as small as 3 lives in many states. Below that, we look at individual coverage strategies or ICHRAs.

What does this cost the business? Depends on plan design, employee contributions, and demographics. Typical employer contributions run 50–75% of the employee premium. We model multiple scenarios during the review.

Do I have to offer benefits? Businesses under 50 full-time employees aren’t required to. But benefits are increasingly the difference between hiring the candidate you want and losing them to a competitor.

Can you handle enrollment and ongoing service? Yes. We run open enrollment, onboard new hires, support COBRA events, and handle the day-to-day questions your team has.

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