Health benefits your employees will love

Concerned about rising health plan costs? eHealth helps you minimize spending, while maximizing employee benefits. Find your group health insurance match with our free guidance.

Discuss your options with an eHealth agent:

1-877-543-6619

Health benefits your employees will love

Health benefits your employees will love

Concerned about rising health plan costs? eHealth helps you minimize spending, while maximizing employee benefits. Find your group health insurance match with our free guidance.

Discuss your options with an eHealth agent:

1-877-543-6619

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Simplify your group health insurance search

Understand your employer health insurance options

Group coverage

Group health insurance plans offer coverage for groups of all sizes, lower costs, and tax benefits for employers. Employers select a range of plans for employees to choose from, and premiums are divided between them and the employee.

Employee Choice (ICHRA)

An Individual Coverage Health Reimbursement Agreement (ICHRA) allows employees to shop and pay for their own health insurance premiums using tax-free contributions from their employer.

Level funded

Level-funded plans offer employees a variety of plan options, while keeping costs predictable for businesses. Employers pay a fixed amount towards monthly premiums and can opt for stop-loss insurance to cover unexpectedly high claims.

Ancillary

Expand your health plan coverage with ancillary benefits, including dental and vision insurance, and ensure that your employees receive the comprehensive care and peace of mind they deserve.

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eHealth helps business owners find their perfect plan at the lowest available cost

Frequently asked questions

Employer health insurance is offered to employees or association members. Often, a portion of the premium is covered by the employer, with the possibility of including family members under the plan. There are several options for offering health insurance to employees, from traditional group health insurance plans to Employee Choice (ICHRA) plans. Employee Choice plans allow employers to offer employees a set allowance to pay for their own health insurance plans.

Individual health insurance plans are chosen and paid for by individuals for themselves or their families, independently. These plans can come with higher premiums, but they allow individuals to choose healthcare providers and coverage levels that meet their needs.
Employer sponsored benefits can include a range of insurance options, primarily focusing on health insurance that covers the medical expenses of the employee and their qualifying family members. The benefits suite typically extends to dental and vision care, life insurance, disability coverage, and occasionally supplemental insurance, which helps cover expenses not included in the standard insurance coverage.
Open enrollment is the designated annual time frame when employees can sign up for, change, or cancel their health insurance coverage. This window typically spans two to four weeks, commonly scheduled in November or early December for coverage in the next calendar year. If this period is missed, employees must wait for the next open enrollment phase to make changes, unless they experience a significant life event that qualifies for an exception. For employees newly joining a company, there is a distinct enrollment window that aligns with the company's chosen waiting period. This period is legally not allowed to surpass 90 days.
To prepare for your company's group health insurance plan application, you'll need to share details about your organization and its workforce. This includes a count of your total workforce and estimates of those who qualify for health benefits and those who are expected to opt-in to coverage. You must also provide personal details for each employee, such as their zip code and age, and in some cases, details about their dependents. Additionally, you will need to provide specifics on the company's share of the health insurance premiums. For larger businesses, insurers may request in-depth records of claims and the number of members enrolled over the previous two years.
In addition to conventional group health insurance plans, large employers can consider Employee Choice (ICHRA) plans, where employers offer employees a set monthly allowance to pay for their own health insurance plans. This option allows employers to control their monthly costs, while providing employees with the flexibility to select a plan that works for them.

Employers can also consider the strategy of self-insurance or self-funding. This approach is an alternative to the traditional route of paying premiums to an insurance provider, and allows the employer to allocate a specific fund to cover the healthcare expenses of its employees. Self-insurance and self-funding allows for enhanced management of healthcare expenses, though it does introduce a higher level of financial risk. To mitigate the risks associated with large, unexpected claims, companies often invest in stop-loss insurance, which provides financial protection against claims that surpass a predetermined threshold.

Health benefits your employees will love

Discuss your options with an eHealth agent:

Health benefits your employees will love

Discuss your options with an eHealth agent:

Get a group health insurance quote

Receive a call back from a licensed agent today

Simplify your group health insurance search

Understand your employer health insurance options

Group coverage

Employee Choice (ICHRA)

Level funded

Ancillary

Explore our real results

See what our clients are saying

eHealth helps business owners find their perfect plan at the lowest available cost

Frequently asked questions

Learn more about employer health insurance