Major Medical Insurance
Comprehensive health coverage for small businesses and large organizations. We help you find the right plan for your workforce.
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Small Group Plans (2–50 Employees)
Affordable health insurance for small businesses. Get the same quality coverage large companies enjoy.
Medical & Prescription
Comprehensive coverage for doctor visits, hospital stays, prescription drugs, and preventive care. Multiple plan tiers (HMO, PPO, EPO) to choose from.
Dental & Vision Add-Ons
Bundle dental and vision coverage with your medical plan. Offer your team a complete benefits package without the large-company price tag.
Flexible Plan Options
Choose from multiple carriers and plan designs. We help you balance affordability for your team with the coverage they need and expect.
Tax Credits Available
If you have fewer than 25 full-time equivalent employees and pay less than 50% of premiums, you may qualify for the Small Employer Health Insurance Tax Credit.
Annual Open Enrollment
We manage your annual open enrollment, helping you compare carrier rates, adjust coverage, and ensure your team stays enrolled without gaps.
Large Group Plans (50+ Employees)
Enterprise-level health coverage with customizable benefits, dedicated account management, and competitive pricing.
Self-Funded &> Fully Insured Options
Choose between fully insured plans (carrier takes the risk) or self-funded arrangements (you take the risk, with stop-loss protection). We help you evaluate which structure saves your company the most.
Custom Benefit Design
Design a plan that fits your workforce's needs — from high-deductible plans with HSAs to comprehensive PPOs with low copays. You control the benefits.
Wellness Programs
Add wellness incentives, health coaching, telemedicine, and chronic disease management programs to reduce claims and improve employee health outcomes.
Dedicated Account Team
Large group clients get a dedicated account manager, claims advocate, and annual benefits review. We're your single point of contact for everything health.
Multi-State Coverage
Operating across state lines? We place large group coverage in multiple states through our national carrier partnerships.
COBRA Administration
We handle COBRA administration, compliance, and employee notifications so you stay compliant with federal and state regulations.
Major Medical — Frequently Asked Questions
What is the difference between small group and large group health insurance?
Small group plans cover employers with typically 2–50 employees. They're fully insured and come with guaranteed issue (carriers must accept all eligible employees). Large group plans cover 50+ employees and offer more flexibility — including self-funded options, custom benefit design, and multi-state coverage. The larger the group, the more negotiating power you have on pricing and benefits.
How much does small group health insurance cost?
Small group premiums vary by location, age, tobacco use, plan type, and carrier. On average, expect $400–$800 per employee per month for a PPO plan, with employees typically paying 20–40% of the premium. HMO and high-deductible plans are lower cost. We'll get you actual carrier quotes based on your employee demographics.
What is self-funded health insurance?
Self-funded (self-insured) health insurance means your company pays claims directly instead of paying a fixed premium to an insurance carrier. You set aside a fund to pay claims, with stop-loss insurance to protect against catastrophic claims. Self-funding can save 15–25% compared to fully insured plans because you avoid carrier profit margins and state premium taxes. It's typically best for groups of 100+ employees, but some companies with as few as 50 can benefit.
Do you offer health insurance for individuals or families?
Yes — through our individual health insurance partners, we can help individuals and families find coverage on the ACA marketplace or through off-exchange plans. While our focus is group health, we can get you a quote for individual coverage as well. Contact us to discuss your needs.
What carriers do you offer for small and large group plans?
We partner with major national carriers and regional insurers, including Blue Cross Blue Shield, UnitedHealthcare, Cigna, Aetna, Humana, and others. The specific carriers available depend on your location and group size. We'll run quotes from every carrier in your market to find the best rates and network.
How do I enroll my employees in a health plan?
We handle the enrollment process for you. After selecting your plan, we'll provide enrollment materials, help you conduct an enrollment meeting with your employees, and ensure everyone is set up with their coverage. Employees receive ID cards and can access their carrier portal for claims and member services.
Need Health Coverage for Your Team?
Whether you have 2 employees or 2,000, we'll find the right health plan at the right price.
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