Benefits That Attract the Best
and Keep Them.
Offering quality health insurance doesn’t have to break the bank. I compare 200+ top carriers to build the right group plan for your team ā and show you how to do it at $0 cost to your business.
Health Benefits Are the #1 Factor in Hiring & Retention.
In today’s job market, small businesses compete with large corporations for talent. Health insurance is consistently ranked the single most valued employee benefit ā more than bonuses, vacation, or flexible hours.
The good news: as an independent broker with access to 200+ carriers, I can build a group plan that’s competitive with what Fortune 500 companies offer ā at a fraction of the cost.
Attract Top Talent
Candidates actively filter job listings by benefits. A strong health plan puts you in the running for the best people.
Reduce Turnover
Employees with good benefits are significantly less likely to leave. Replacing a single employee costs 50ā200% of their annual salary.
Tax Advantages
Employer premium contributions are tax-deductible. Section 125 plans also reduce your payroll taxes dollar-for-dollar.
Healthier, More Productive Team
Employees with coverage get preventive care, address issues early, and miss fewer days ā directly impacting your bottom line.
A Complete Benefits Package at Zero Cost to Your Business.
The Section 125 Cafeteria Plan is one of the most underused tools in small business ā and one of the most powerful. It allows employees to pay for benefits with pre-tax dollars, which means:
- Your business pays $0 in employer premiums
- You reduce your payroll taxes by 7.65% per participating employee
- Employees get a comprehensive benefits package at reduced cost
- Presentations, sales, and enrollments are completely handled for you
Employer cost for Section 125 plan
Payroll tax savings per employee
Health carriers available
Enrollment handled for you
Hospital Indemnity
Up to $1,000/day for hospital stays
Telemedicine
24/7 access including behavioral health
Prescription Drug
$0 copay on 1,000+ medications
Wellness Program
Stress & sleep, smoking cessation
Up and Running in Days, Not Months.
Getting your team covered is simpler than you think. Here’s exactly how it works.
Business Assessment
A quick call to understand your team size, employee demographics, budget, and goals. I ask the right questions so I know exactly what to look for.
Plan Comparison
I run a full market comparison across 200+ carriers and present your best options ā with clear breakdowns of cost, coverage, and employee impact.
Enrollment Done For You
Presentations, applications, and employee enrollments are fully managed. You don’t need to become an HR expert ā I handle it all.
Ongoing Support
I stay your agent year-round ā handling claims, renewals, employee questions, and plan changes so your benefits program runs smoothly.
Plans for Businesses of Every Size
Whether you have 2 employees or 200, there’s a group plan structure built for you.
Small teams often qualify for group rates that are more competitive than individual plans. I specialize in finding cost-effective options that work even at this size.
- Group PPO & HMO options
- Section 125 available at any size
- Dental & vision add-ons
- Group IUL as a benefit
Mid-size small businesses have access to the broadest range of group plans and the strongest negotiating position. This is where benefits really become a competitive advantage.
- Full carrier marketplace access
- Tiered coverage options
- Section 125 with full suite
- Group IUL & life insurance
Larger small businesses can access fully-insured and self-funded plan options, plus full Group IUL enrollment for hundreds of employees ā all through one trusted broker.
- Self-funded plan options
- Group IUL for entire workforce
- Full benefits administration
- ACA compliance guidance
Pair Health Insurance with a Group IUL — at Zero Extra Cost.
Through the Section 125 plan, I can also layer in a Group IUL that gives every employee a tax-free retirement benefit. It lowers your payroll taxes, tethers top talent to your business, and costs your company nothing.
Small Business Health Insurance FAQs
Straight answers to the questions business owners ask most.
Get a Free, No-Obligation Business Quote.
Tell me about your team and I’ll compare your best options across 200+ carriers ā including the Section 125 plan that costs your business nothing. Most business owners get their full comparison within one business day.
- Free comparison across 200+ group carriers
- Section 125 option ā $0 employer cost explained
- Presentations & enrollments handled for you
- Ongoing support, renewals, and claims advocacy
Request Your Free Business Quote
Bruce will personally prepare your group plan comparison within one business day.
š Completely confidential. Your information is never sold or shared.