Group Health Insurance
Offering health coverage is often what decides whether a good employee stays. It is also one of the larger line items on your books, and the market moves every year. We handle the shopping, the renewal fight, and the employee questions so you do not have to.
What we do at renewal
Most groups accept whatever increase their carrier sends and move on. We market your group to competing carriers, model what a plan design change would actually do to your costs and your employees' out-of-pocket exposure, and give you real options instead of a single number.
Plan design and contribution strategy
How much you contribute, and toward which tier, changes both your cost and your participation rate. There is usually a smarter structure available than a flat percentage. We will model a few against your actual census.
Small groups have options too
If you have a handful of employees, you are not limited to one product. Depending on your size and situation, level-funded plans, association options, or an ICHRA that reimburses employees for individual coverage may cost less than a traditional group plan. Since we also write individual and MNsure business, we can compare those honestly rather than steering you.
Small group special open enrollment — 2027 coverage
- Enroll between:
- November 15, 2026 and December 15, 2026
- Coverage starts:
- January 1
Your own enrollment period is set by your plan year, not by this — a group renewing in July enrolls in June. This window is the exception worth knowing: coverage effective January 1 without having to hit the usual participation and contribution thresholds. If employees on a spouse's plan are what keeps you under the participation line, this is your month.
You'll work with Pat or Spencer directly
Pat and Spencer are the agents here, so whoever quotes group health insurance is the same person who answers when you call about it later. No call centers, no getting handed off, no explaining your situation twice. They'll work closely with you from the first question through every renewal after it.
Would rather not fill in a form? Call Pat directly at 952-457-5894 and give him your information over the phone. It takes about the same amount of time, and plenty of people prefer it — you're welcome to do it that way.
What we can cover
- Fully insured group medical plans
- Level-funded and self-funded options
- ICHRA and individual-coverage strategies
- Group dental and vision
- Renewal marketing to competing carriers
- Contribution and plan design modeling
- Employee enrollment support and questions
Request a Group Health Insurance Quote
Tell us a bit about your situation and we’ll get back to you with real numbers. No obligation, and we never sell your information.