✦ Group Health Insurance
Small Group Health Insurance for Iowa Businesses
We are an independent agency free to market your coverage to all our carriers. We work with small and large employers to find programs that fit the needs of their staff and insurance goals, from traditional group health insurance plans to HRAs and employee benefits strategy.
Employer Solutions
Comprehensive group coverage from initial analysis to enrollment and beyond.
Min. AM Best
Support
Carriers
Year-Round
End-to-End Group Insurance Management
From initial analysis of your needs and doing our due diligence of marketing, to implementation and holding employee enrollment meetings, our experienced staff will be there for you through the entire process.
Once your programs are in place, we will work with company representatives directly to ensure your programs run well, including additions, deletions of employees, and resolution of any claim or billing problems that may occur.
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No allegiance to any one carrier — we shop the market for you.
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Additions, terminations, claims, and billing handled year-round.
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We stay on top of healthcare changes and keep our clients informed.
Your Dedicated Brokerage Partner
We are committed to meeting and exceeding your expectations with personalized service every step of the way.
Trusted Since Day One
What We Provide for Employers
As your brokerage agency, we deliver comprehensive services from consultation to ongoing administration.
Benefit Program Evaluation
Initial consultation to evaluate your current benefit program, plus dental insurance and vision add-ons, with an in-depth annual review meeting and follow-up discussions.
Market & Renewal Analysis
Development and presentation of our comprehensive Market Analysis as well as Renewal Analysis to find the best rates and coverage.
Carrier Transition Support
Full assistance with insurance carrier renewal or transition including a detailed timetable for a successful switchover process.
Employee Education Meetings
Educating employees on the healthcare industry, managing expectations, and helping them get the most from their health program.
Contribution & Tax Strategies
Employer contribution strategies and tax saving options including Section 125 Plan Administration to maximize value.
Ongoing Administration
Processing new hire additions, terminations, COBRA administration, resolving billing discrepancies, and an employer/employee online portal.
Small Business Health Insurance in Iowa: What Employers Should Know
Most small businesses in Iowa are not legally required to provide health insurance: the Affordable Care Act employer mandate only applies once you reach 50 full-time equivalent employees. Yet thousands of Iowa employers provide coverage anyway, because for small business owners it is the benefit employees value most and a proven recruiting edge in a tight labor market.
Group health insurance options come from the same health insurers that dominate the individual market: Wellmark Blue Cross Blue Shield, Medica, Avera Health Plans, and UnitedHealthcare all write group health insurance plan options across the state. Every compliant plan covers the essential health benefits, and rates are reviewed by the Iowa Insurance Division.
Tax advantages stack up for employers:
- Employer-paid health insurance premiums are generally tax-deductible as a business expense.
- Employees can pay their share pre-tax through a Section 125 plan, lowering payroll taxes for both sides.
- Businesses with fewer than 25 full-time equivalent employees and modest average wages may qualify for the federal Small Business Health Care Tax Credit when buying through the SHOP marketplace.
Group Plans, HRAs, and Other Employee Health Benefit Options
A traditional group plan is not the only path. Health reimbursement arrangements let you give employees tax-free money for coverage they choose themselves:
- QSEHRA: The qualified small employer health reimbursement arrangement lets businesses with under 50 employees reimburse individual health insurance premiums tax-free.
- ICHRA: An individual coverage HRA works for any size employer and lets each employee pick a plan from the federal health insurance marketplace or off-exchange.
- HSA pairing: Pair a high deductible health plan alongside a health savings account contribution to keep premiums and health care costs predictable.
We model all three against a conventional arrangement so you can see real numbers before deciding the best way of offering health benefits to your team.
Our Commitment to Your Company
We go beyond basic brokerage to deliver a full-spectrum partnership for your employee benefits program.
Initial Consultation — Evaluate current benefit program with a thorough Annual Review Meeting.
Follow-Up Meetings — Continued discussions following initial consultation prior to Market Analysis.
Market & Renewal Analysis — Comprehensive report comparing carriers, rates, and coverage options.
Transition Timetable — Detailed schedule provided for making a successful carrier renewal or transition.
Employee Education — Meetings to explain industry changes, plan benefits, and set expectations.
Claims Advocacy — Direct help resolving claim and billing issues with the carrier.
Compliance Guidance — COBRA, Section 125, and annual notice requirements handled correctly.
Online Portal Access — Employer and employee portal for enrollments, changes, and documents.
Request a Group Quote
Call (855) 847-7020 for an immediate consultation, email us, or send the form and we will respond within one business day.
Prefer to Talk?
Call us directly at (855) 847-7020 for an immediate consultation with one of our licensed group insurance specialists.
Email Us
Send details about your company to our contact form and we’ll respond within one business day.
Ready to Find the Right Group Plan?
Healthcare benefits are continually changing. We stay on top of those changes and keep our clients informed along the way. Get a side-by-side comparison of affordable health coverage for your business in Iowa, with no obligation.