Group Health Insurance

For groups 2 to 99 Employees

Groups with as few as 2 employees can enjoy the health insurance benefits of large companies

When you sign up for group insurance coverage through Welch Insurance your company might also be eligible for an affordable payroll program, free HR support which includes a free company handbook, compliance hiring onboarding, and retention guide. Your employees could also take advantage of the free discount dental, vision, wellness, hearing, and Rx discount card. We are also proud to offer discounts for entertainment including sporting events, amusement parks, movies, online shopping, and much more.

There are many options today when it comes to small group health insurance. You need to understand benefits, premiums, the companies contribution and terms of health insurance. The most important factor is to have a broker that understands the options what would be best for your company and be there to services your needs. That is what the Welch Insurance Team with over 15 years experience does for you.

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  • There is no cost to using a broker.
  • A broker can compare many companies and plans and explain the differences to you and your employees. A company agent only knows their plans and can only offer their plans.
  • A broker continues as an advisor and services your company and employees. A broker will keep you current.
  • If you have questions or issues, your broker is an additional asset that you can rely on and understands the plans benefits and premiums.

You can offer one health insurance carrier and have Kaiser also. However, there are participation rules for each carrier. We work with your company to have a controlled contribution which allows employees to purchase the plan that best fits their needs. It also allows you to control the contribution made by your company.

We can offer multiple companies and plans in adjacent metal tiers Platinum, Gold, Silver and Bronze; with over 40 plans for employees to pick from. Select from eight top health companies, and multiple plan designs including HMO, PPO, HSA, and EPO options. We work with the you to have a controlled contribution. This allows employees to purchase the plan that best fits their needs with the carrier they want. It also allows you to control the contribution made by the company.

No, you can change or add a group health insurance plan at anytime, or change monthly.

If you’re a small business with fewer than 50 full-time and full-time equivalent (FTE) employees, the Affordable Care Act (ACA) does not require you to offer health insurance to employees. However, many smaller businesses offer employee benefits as part of their employee recruitment and retention strategy.

Small businesses do not have to offer coverage to employees’ dependents either, although many do – again, to help attract and retain top talent.

You also do not have to offer benefits to part-time workers (those averaging less than 30 hours per week) or seasonal workers.

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Depending on the health plan or health insurance exchange you select, you may have a choice of a fixed percentage amount (50% to 100%) or a fixed dollar amount for each employee. If an employee selects a plan that costs more than you are contributing, he or she simply pays the difference. And, at renewal, you have the option to change your contribution – giving you control over your costs for another year.

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For more information to help make a good decision about group health insurance you can 

call 800-641-3315 or

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