Protecting Your Health, Wealth, and Lifestyle
Employee Benefits
A Broker Partner You Can Count On
Duties of Your Employee Benefits Broker
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Information and assistance in choosing various forms of insurance, including health, life, disability, dental, vision, and more. Note that not all brokers offer the full range of insurance options, but a large majority of benefits brokers specialize in insurance in some capacity.
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Advice on how to minimize total costs, such as how to reduce total premiums.
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Assistance with employee communications related to benefits enrollment.
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Assistance in resolving problems. A broker may be able to act as a go-between for the employer to help resolve any problems with claims or administration of the benefits.
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Analysis of your existing benefits and claims to provide advice on changes and potential cost savings.
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Advice on changes to benefit packages based on your employee demographics, as well as analysis of previous utilization rates.
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Direct assistance to employees who have benefit, coverage, or claims questions or need help with claims.
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Education for employees about their options during open enrollment.
Small Business Health Options Program (SHOP)
The Small Business Health Options Program (SHOP) helps businesses provide health coverage to their employees.
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SHOP insurance is generally available to employers with 1-50 full-time equivalent employees (FTEs). If you have fewer than 25 employees, you may qualify for the Small Business Health Care Tax Credit, if you buy SHOP insurance. Learn more about SHOP eligibility rules and the Small Business Health Care Tax Credit.
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If you're a sole proprietor or self-employed with no employees, you can get individual coverage through the Health Insurance Marketplace.
