When it comes to providing health benefits for employees, employers and HR professionals have a wide range of options to consider. Group health insurance can be a complex decision, and our local agents recognize that one-size-fits-all solutions don’t work for everyone. In the following section, we’ll explore the different types of group coverage available for employers to choose from.

Individual Coverage Health Reimbursement Arrangement (ICHRA): These are a trending group plan option that many employers are choosing. They are a great way to provide your employees with health insurance while managing what it costs you to provide it.

Small group fully insured ACA plans (2-50 employees): Employers can offer employees health coverage with no medical underwriting and no pre-existing conditions all while offering a nationwide network (in most cases). The employer must pay at least 50% of the employee’s monthly premium and meet participation requirements based on the carrier guidelines. 

Small group level funded (10-50 employees): Level funded plans are different from traditional insurance plans because they are not community rated and can potentially lower a group’s fixed costs if the group qualifies.

By offering group health insurance, not only are you attracting top talent to your business, but you’re also helping retain it!

At Alpine Agency, our agents across South Carolina are here to help small business owners navigate the complexities of group health insurance. Feel free to reach out if we can assist you in any way

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