Group Health Benefits — Smarter Coverage for Every Budget
From traditional group insurance to reference-based pricing and health share plans — Amy helps small businesses offer meaningful benefits without breaking the bank. A census is required for all group rate quotes.
Group coverage vs. ICHRA — which is right for your business?
Choosing between employer-sponsored group health insurance and an ICHRA requires careful consideration of cost, flexibility, and employee preferences. Both have real pros and cons.
Traditional group insurance is the most common coverage for medium-to-large businesses. It requires at least 3 employees who are not family-related for group rates. The larger the group, the lower the per-person rate.
An ICHRA (Individual Coverage HRA) lets employers reimburse employees tax-free for individual health plans they choose themselves — giving employees freedom and employers predictable costs.
Traditional Group vs ICHRA
Traditional Group
- Employer picks the plan
- Shared risk across group
- Larger groups = lower rates
- Requires 3+ non-family employees
- Fixed benefit, all employees same plan
ICHRA
- Employees pick their own plan
- Employer sets reimbursement amount
- Works for 1+ employees
- Predictable monthly employer cost
- Tax-free reimbursements
The smarter group health plan — open networks, reference-based pricing
MightyWell gives businesses a better way to offer health benefits. Predictable costs for the employer, open provider access for employees, and real transparency in pricing. Silver and Gold plans available.
Businesses benefit from reference-based pricing — paying fair market rates instead of inflated insurance contract rates — and genuine compliance without the complexity.
MightyWell Plan Options
- Reference-based pricing on all medical services
- Open network — see any doctor or hospital
- ACA-compliant preventive care included
- Telemedicine access
- Transparent pricing — no surprise bills
- Everything in Silver, enhanced benefits
- Lower member cost-sharing
- Enhanced Rx coverage
- Higher annual benefit limits
- Ideal for businesses wanting richer benefits
Census required for group quotes · Individual plans also available
Established carriers for groups of 3+
For businesses with 3+ non-family employees, traditional group insurance offers comprehensive networks and familiar plan structures. Quotes by request — census required.
More options for every size business
These plans work for smaller groups, self-employed individuals, and businesses looking for more flexibility than traditional insurance offers.
Redirect Health
The only healthcare solution for every small-medium business budget. No copays for routine primary care, low deductibles for hospitalization. Attract talent with high-quality, affordable benefits.
Sedera Medical Cost Sharing
A fresh and affordable alternative for covering healthcare expenses. No out-of-network concept — Sedera goes where members go. 24/7 telemedicine included. Reduce employer costs and put more money back in employees’ hands.
MPowering Benefits
Designed to avoid tax penalties, provide all ACA Preventive Care, and allow access to a Health Savings Account (HSA) with a verifiable 1099 or Business ID. Great for self-employed families.
Tools & resources for business owners
ICHRA — Individual Coverage HRA
An ICHRA lets you reimburse employees tax-free for individual health insurance plans they choose on their own. You set the monthly reimbursement amount and employees shop for their own coverage. Works for any size business with any number of employees.
Compare it to traditional group insurance to see which gives your team better value and your business more predictability.
Learn about ICHRA on healthcare.gov →CRM & Customer Management Tools
Running a business means managing customers, not just benefits. Amy recommends GoHighLevel — an all-in-one CRM and email marketing tool built for small businesses. Affordable, powerful, and easy to learn.
Explore Go High Level →Also need a group census template to get your quotes started?
Download the census template →Let Amy build a benefits strategy for your team
Download the census template, fill it in, and send it to Amy. She’ll compare your best options across traditional, MightyWell, Redirect Health, Sedera, and ICHRA — at no cost to you.
