Group Benefits & Insurance Frequently Asked Questions

It comes down to control, cost predictability, and team size/health profile. Quick guide:

• Traditional Group: Familiar & simple; often higher premiums.
• Level-Funded: Fixed payments with potential refunds; great for healthy groups of 5–50.
• ICHRA: You set allowances; employees choose compliant plans—ideal for mixed/remote teams.

We’ll model each side-by-side so you can see employer cost, employee impact, and network differences.

Yes. We typically evaluate ICHRA or select Level-Funded options with light underwriting, depending on goals and budget.

Basic census (ages/ZIPs/dependents), desired start date, and a target monthly budget per employee. We’ll handle the rest.

Groups of 5–50 with relatively healthy risk often see meaningful savings vs. traditional plans, plus refund potential in low-claim years.

You set tax-advantaged allowances by class (full-time, part-time, remote, etc.). Employees select their own compliant plans; we manage setup, compliance, and education.

Absolutely. We benchmark your plan against Traditional, Level-Funded, and ICHRA to identify savings, better networks, and stronger employee choice.

We compare multiple top carriers side-by-side and recommend options tailored to your team’s needs and Indiana geography.

We’ll model employer contributions by dollar amount or % and show the impact on payroll. You get a clear side-by-side before deciding.

Our team manages timelines, enrollment meetings, carrier paperwork, and ongoing support—so you can focus on your business.