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Licensed Independent Brokers in 46 States

Group Health Insurance Made Simple

Whether you’re shopping renewals, setting up coverage for the first time, or exploring options as a self-employed professional—we’ll find the right plan for your business.

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See How It Works

500+

Businesses Helped

46

States Served

Since 2007

Helping Employers

Get Your Free Quote

Tell us about your business and we’ll find the best options for you.

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Transparent Pricing: Free for 10+ employees. Small groups (under 10) have a $250 annual fee—waived for non-profits. We guarantee savings that exceed this fee.

No-obligation quotes

Same-day response

Licensed in 46 states

Year-round support

Find Your Path

Which Best Describes You?

Every business has different needs. Select your situation below to see how we can help.

Tired of Rising Premiums? Let's Find Better Options.

You know the drill—every year brings another renewal with higher rates. But do you actually know what else is out there? Most employers don't have time to shop the market themselves.

We compare 10+ carriers against your current plan

See if better networks or plan designs can reduce costs

No obligation—just see what's available before you renew

Compare My Options

"I was about to renew without shopping around. Independent Health Agents found me a plan with better coverage and saved me $400/month per employee."

— Sarah K., Restaurant Owner, 12 employees

Ready to Offer Benefits? We'll Guide You Through It.

Offering group health insurance for the first time can feel overwhelming—eligibility rules, contribution requirements, enrollment deadlines. We handle the complexity so you can focus on your business.

Learn if your business qualifies (most with 2+ employees do)

Understand employer contribution options and tax advantages

Get set up with the right plan—we handle paperwork and enrollment

Start the Conversation

Quick Eligibility Check:

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At least 2 W-2 employees (varies by state)
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Employer typically contributes 50%+ of employee-only premium
ⓘ
Coverage can start any month (no open enrollment restriction)

Self-Employed or Just You + One Other? You May Have Options.

Many self-employed individuals and micro-businesses assume they don't qualify for group coverage. In some cases, you might—and it could offer better rates or benefits than individual plans.

Some states allow 1-person groups (owner + spouse scenarios)

Group plans can offer better networks and pricing in some cases

We'll tell you honestly if individual coverage is a better fit

Check My Eligibility

Not Sure What You Qualify For?

No problem. Submit your info and we'll tell you what options are available—no cost, no pressure.

We also help with individual plans if that's the better route for your situation.

Why Choose Us

The Independent Health Agents Difference

We’re not just quote generators. We’re your year-round partners in employee benefits.

Year-Round Support

Billing issues? New hire enrollments? Questions from employees? We’re here all year-not just during renewal season.

Employee Onboarding

Our digital enrollment platform makes adding new employees simple. No more paper forms or manual data entry.

Billing Resolution

When carrier billing gets confusing (and it will), we step in to resolve discrepancies and get things straightened out.

Compliance Support

COBRA administration, Section 125 plans, ACA reporting-we help you stay compliant without the headache.

Annual Reviews

Every year before your renewal, we proactively review your plan and bring you options-not just rubber-stamp your current coverage.

Carrier Independence

We work with 10+ carriers and have no allegiance to any single company. Our only loyalty is to finding you the best fit.

Blue Cross Blue Shield

Aetna

UnitedHealthcare

Cigna

Humana

Oscar

+ More

Common Questions

Frequently Asked Questions

How many employees do I need to qualify for group coverage?
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In most states, a "small group" is defined as 2-50 employees. However, the definition of who counts can vary-owners, partners, and even spouses working in the business may count depending on your structure. We'll help you figure out if you qualify.

When can I start or change group coverage?
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Unlike individual plans, group coverage can generally be started any time of year. Effective dates are typically the 1st or 15th of the month. You don't have to wait for open enrollment.
How much do employers typically contribute?
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Most carriers require employers to contribute at least 50% of the employee-only premium. Many employers choose to cover 75-100% of employee costs, with varying contributions for dependent coverage. We'll help you design a contribution strategy that fits your budget.
Do employees have to answer health questions?
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No. Small group plans are "guaranteed issue," meaning no employee can be denied coverage or charged more based on their health status. This is a major advantage over individual plans in some cases.
What does it cost to work with you?
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For groups of 10+ employees, our services are completely free—we're compensated by the insurance carriers. For smaller groups (under 10), we charge a $250 annual fee to cover the additional support small groups require. This fee is waived for non-profit organizations.
What if I need to add or remove employees?
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Group plans allow for changes throughout the year. New hires can be added within 30-60 days of their start date, and terminated employees are removed as of their last day. We handle all the paperwork and carrier communication for you.

Ready to Explore Your Options?

Whether you’re shopping your renewal, setting up benefits for the first time, or just curious about what’s available-we’re here to help.

Free, no-obligation quotes

Response within 24-48 hours

Compare 10+ carriers in one place

Year-round support included

Get Your Free Quote

Fill out the form below and we’ll be in touch within one business day.

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