Solutions For
Small Businesses & Families
✔️ $0 Deductible Health Insurance
✔️ Premiums as low as $150 per month
✔️ Multiple carrier options
✔️ Private market Individual & Group plans
✔️ Health Stipend & QSEHRA Compliance
Average premium savings for our small-business clients.
5 Star Ratings
Coverage for all situations and budgets
Who we help
plan strategy, built around you
Small Businesses
Find out if implementing a stipend program with individual plans, personal healthcare advocates, broker led enrollment and administration that can scale as you hire, is right for you.
- Stipend Program
- HRA & ICHRA advisement
- Individual employee onboarding & advocacy
Individuals & Families
Private-market and marketplace plans matched to your doctors, prescriptions, and tailored to your budget. Multiple carriers. $0 deductible health insurance options. 1/3 the cost of Marketplace.
- Doctor & Rx network matching
- Subsidy & tax-credit review
- Year-round enrollment help
How it works
A strategy, not a sales pitch
Here is how we build your small business program.
Discovery
We learn your budget, your doctors, your health needs, and — for businesses — your team and goals.
Strategy
Design your Stipend Program
Example:
Year 1: $125 Per Emp. Per Month
Year 2: $300 PEPM
Year 3: $500 PEPM
Enrollment
We handle the paperwork, education, enrollment, and onboarding so you don't have to be an insurance expert.
Ongoing Support
Claims questions, renewals, and mid-year changes — we are your advocate all year long. Insurance is OFF your plate and on ours.
Why stipends win
Individual Stipend vs. Group Plan
- 1
Predictable, capped costs
You set a fixed monthly stipend per employee — no surprise rate hikes or carrier markup built into a group premium.
- 2
Lower total cost
Individual private-market plans typically cost a fraction of group coverage, saving both the business and the employee.
- 3
Employee choice & portability
Each employee picks the plan that fits their doctors, prescriptions, and family — and the plan stays with them if they leave.
- 4
Scales as you hire
Add or adjust stipends without re-underwriting a group plan or worrying about participation ratios.
- 5
Tax-advantaged & compliant
Compliance is key and structuring a stipend program correctly can be very impactful at audit time.
- 6
Leverages the ACA Marketplace
Employees who qualify on Healthcare.gov will not have their subsidy reduced by their stipend amount vs. a QSEHRA.
$0
Cost to work with us
20+
Years of collective experience
4.9/5
Average client rating
Get started
Request your free quote
Tell us a little about yourself and a licensed advisor will build a no-obligation strategy — usually within one business day.
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