Group Benefits
Solutions for Employers and Employees
Tailored health insurance solutions designed to enhance the well-being and overall achievement of both individuals and organizations.
For Your Business and Your People
Group health insurance is the core of a strong employee benefits package. While it may not be legally required for all businesses*, providing group health coverage is strongly advised for these key reasons:
Talent Retention
Group health is a critical factor in recruiting and keeping the best people, while offering affordable premiums and tax advantages.
Lower Premiums
By pooling multiple employees under a single plan, you can access broader coverage at significantly lower rates than individual health insurance
Shared Costs
Depending on the plan design, the company and the employee share the premium costs, which minimizes the financial burden.
Tax Savings
Premiums paid by the company are tax-deductible, and premiums paid by employees can reduce their income tax.
Easy Administration
Simple enrollment processes and automatic payroll deduction make the plan easy to administer.
Family Coverage
Eligible family members (dependents) can be registered to receive coverage together at an affordable premium.
* Whether a business is legally obligated to provide health insurance depends primarily on the number of people it employs. Exceptions may apply, and specific requirements vary by federal and state law.
Where to Begin
Finding the Right Plan
for Your Business
Choose the right structure for your business. We offer flexible plan designs to match your company’s size, budget, and financial goals.
Fully-Insured vs. Self-Insured
What’s the Difference?
Fully-Insured
Fully-Insured Plan
This is a stable group health insurance method where you pay a fixed premium while the insurance company assumes the full financial risk for covered medical claims. This is a stable structure ideal for businesses seeking predictable costs and simplified management.
Self-Insured
Self-Insured Plan
This is a self-funded option where the company manages its own risk and directly pays for the actual medical claims incurred by employees. It is ideal for companies seeking long-term cost savings and personalized designs.
Standardized plan options from insurer
Insurer-led administration for simple management
Fixed premiums
Insurer bears all payment and liability burdens
No additional stop-loss coverage needed
Fully customizable plan design
Business-led administration for flexible management
Fixed costs + variable costs
Business bears all payment and liability burdens
Stop-Loss insurance enrollment required
When to Choose
If you have fewer than 100 employees
If you prefer simple enrollment and hands-off management
If you are a small or medium-sized business that wants to manage its budget clearly
If your business prefers stability over carrying risk burdens
When to Choose
If you have 100 or more employees
If you need customized coverage tailored specifically to your business
If you are a large enterprise with financial flexibility and risk management capabilities
Fully-Insured
Fully-Insured Plan
This is a stable group health insurance method where you pay a fixed premium while the insurance company assumes the full financial risk for covered medical claims. This is a stable structure ideal for businesses seeking predictable costs and simplified management.
Standardized plan options from insurer
Insurer-led administration for simple management
Fixed premiums
Insurer bears all payment and liability burdens
No additional stop-loss coverage needed
When to Choose
If you have fewer than 100 employees
If you prefer simple enrollment and hands-off management
If you are a small or medium-sized business that wants to manage its budget clearly
If your business prefers stability over carrying risk burdens
Self-Insured
Self-Insured Plan
This is a self-funded option where the company manages its own risk and directly pays for the actual medical claims incurred by employees. It is ideal for companies seeking long-term cost savings and personalized designs.
Fully customizable plan design
Business-led administration for flexible management
Fixed costs + variable costs
Business bears all payment and liability burdens
Stop-Loss insurance enrollment required
When to Choose
If you have 100 or more employees
If you need customized coverage tailored specifically to your business
If you are a large enterprise with financial flexibility and risk management capabilities
How Are We Different?
Our Approach to Group Health
Proactive HR & Compliance Relief
Concierge-Level Employee Support
Strategic Cost Management & Plan Optimization
Exclusive Corporate Perks
International Corporatioin?
Click here to learn more about our internationally integrated medical insurance system using globally recognized U.S. insurers:
Contact Us
Let’s Build a Better Benefit Plan Together
Fill out and submit our contact form to start a quote and one of our specialized consultants will reach out shortly to discuss plan options that optimize your business.
NY 718-461-8020
GA 770-515-8300
CA 714-452-9411
KR +82 070-4060-3559
Hours
Monday – Friday | 09:00 AM – 6:00 PM (EST)