Skip to content

 

Group Health Insurance

Not Sure What Health Plan Right For Your Business?

Traditional plans offer predictable premiums and broad coverage with minimal risk, while level-funded plans provide cost predictability, potential savings, and flexible benefits with stop-loss protection.

Compare the options and choose the plan that fits your team’s needs.

Male factory worker and supervisor are analyzing plans

Traditional Health Insurance

Offers cost stability, simplified administration, regulatory compliance, and consistent benefits across a large workforce while supporting employee retention and predictable budgeting. Ideal for large businesses ( 100+ Employees)

Fixed Plan Design

Premiums, deductible, copays, and covered services are predefined by the insurer. Policyholders pay monthly premiums and share costs through deductibles, copays, and coinsurance.

Provider Networks

Traditional health insurance uses structured networks and standardized plans to control costs, making it a preferred option for large employers seeking stability and predictable coverage.

Reliable Coverage

Fewer choices reduce confusion for employees and individuals, making administration simpler and more consistent. Benefits are uniform and clearly defined, helping to minimize gaps in care.

tourist-attraction-6491734_640

Thinking Traditional Plans?

Choose a traditional health plan for stable premiums, comprehensive coverage, and wide provider access—ideal for businesses that want simple, reliable, and low-risk healthcare for their employees.

What is a Level-Funded Plan?

Level-funded plans offer predictable monthly costs, flexible benefits, and potential savings when claims are low, plus stop-loss protection for high-cost claims, helping you control healthcare expenses with tailored coverage for your team.

women-5635784_640-1

Level Funded Plans

A combination of fixed premiums with self-insurance elements; excess claims covered by insurer.

Ideal for small to mid-size business: (10-50 Employers)

1

Customizable Benefits

Employers can often design the plan to fit employee needs while controlling costs. 

2

Stop-loss Protection

Insurance covers very high claims, limiting the employer's financial risk. 

3

Cost Effective

Reduced costs when claim levels stay low: Enjoy lower costs by minimizing claims.

4

No Unexpected Surprises

Monthly payments can be leveled, reducing financial surprises and better cash flow.

Not what you're looking for?

Learn about ICHRA

ICHRA Group Insurance
Team of chefs garnishing dessert plates in a busy kitchen

Have a Question?

We can help. Our team will work with you to understand your goals, explore your options, and find the solution that fits your needs—without breaking the bank.

contact us