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Business Owners

Group health insurance that works for your business and your team.

For small business owners with 2–50 employees who want to offer competitive benefits without the administrative headache or unpredictable costs.

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Offering health benefits shouldn't feel like a second job.

For small business owners, group health insurance often feels like a no-win situation. Either you can't afford to offer it, or you can, but the premiums keep rising every year while the coverage keeps shrinking.

Meanwhile, your employees are frustrated with high deductibles, confusing networks, and benefits they don't fully understand.

And the HR burden of managing it all falls on you or an office manager who already has too much on their plate.

The Solution

We design group health plans that reduce cost and increase value.

We work with multiple carriers to find group health plans that fit your employee demographics and your budget. Then we go further, using our proprietary overlay benefit strategies to help employers pay less while employees take home more.

We also handle the renewal process, employee communications, and carrier management, so you can focus on running your business.

What you gain working with us.

  • Access to competitive group plans across multiple carriers, not just one
  • Overlay benefit strategies that reduce employer cost and increase employee take-home pay
  • One-bill simplicity through our benefits administration system
  • Annual renewal management so you're never caught off guard by premium increases
  • Employee education and enrollment support included at no extra cost

How it works.

01

Business Assessment

We review your employee count, demographics, current benefits, and budget to understand your starting point.

02

Plan Design

We design a group health strategy (including any overlay or supplemental options) optimized for your team and your bottom line.

03

Employee Rollout

We handle employee communications, enrollment meetings, and benefits education so adoption is smooth and questions are answered.

04

Ongoing Management

We manage renewals, carrier communications, and plan adjustments year-over-year so the burden stays off your desk.

Why clients choose Anchor.

Veteran-Owned

We built this firm on integrity. What we recommend is what's genuinely best for your business.

Overlay Benefit Advantage

Our proprietary overlay plan reduces employer premiums and increases employee take-home pay, often at no additional cost.

One Bill System

We consolidate all employee benefits into a single invoice to simplify your payroll and accounting processes.

Dedicated Support

We're your point of contact for renewals, employee questions, and carrier issues, year-round.

Frequently asked questions.

How many employees do I need to offer group health insurance?
Most group health plans require a minimum of 2 full-time employees. Some carriers allow groups as small as 1 in certain states. We work with businesses from 2–50 employees and can find options for nearly any size.
How much does group health insurance cost for a small business?
Costs vary based on your employee count, ages, location, and plan design. On average, employers contribute $6,000–$8,000 per employee annually for single coverage. Our overlay strategies can significantly reduce this number.
What is an overlay benefit plan?
An overlay plan is a supplemental benefit strategy that layers additional coverage on top of a base health plan. It reduces the employee's out-of-pocket exposure while simultaneously lowering the employer's premium contribution.
What does 'one bill' mean?
Rather than receiving separate invoices from multiple benefit carriers, we consolidate all your employee benefits (health, dental, vision, supplemental) into a single monthly invoice. This simplifies your accounting and reduces administrative time.
Can I offer benefits if I'm a sole proprietor or 1099 worker?
Yes, in many cases. Self-employed individuals have access to individual and family plans through the marketplace, and some association group plans. We'll help you find the best available option for your structure.

Let's build a strategy that fits your situation.

Schedule a Free Consultation