Group Health Insurance
Support Your Team with the Right Group Health Plan
A strong benefits package helps attract and retain top talent while keeping your employees healthy and productive. Offering group health insurance is one of the best ways to show your team you care—while also taking advantage of tax benefits and cost savings.

At our company, we help businesses across Kentucky find customized, affordable group health insurance plans that provide comprehensive coverage for employees and their families. Whether you’re a small business or a large corporation, we’ll help you secure the right plan that balances cost and benefits.
What Does Group Health Insurance Cover?
Group health insurance provides medical coverage for employees and their dependents, ensuring access to affordable healthcare services. Depending on your plan, coverage may include:
Doctor Visits & Preventive Care
Covers routine checkups, wellness exams, and preventive screenings.
Hospitalization & Emergency Care
Pays for hospital stays, surgeries, and emergency medical treatment.
Prescription Drug Coverage
Helps cover the cost of medications for employees and their families.
Mental Health & Behavioral Services
Provides access to therapy, counseling, and psychiatric care.
Dental & Vision Options
Available as add-ons to cover routine dental and eye care.
Types of Group Health Insurance Plans We Offer
Fully Insured Plans
A traditional health insurance option where premiums are fixed, and the insurance company assumes financial risk. Ideal for small and mid-sized businesses.
Self-Funded Plans
Employers pay for employee medical claims directly, offering cost savings and flexibility for larger businesses.
Level-Funded Plans
A mix of fully insured and self-funded plans, providing predictable monthly costs while allowing businesses to save money if claims are low.
Health Savings Account (HSA)-Compatible Plans
Pairs high-deductible health plans (HDHPs) with tax-advantaged HSAs, helping employees save for medical expenses.
Common Questions About Group Health Insurance
Is group health insurance required for businesses in Kentucky?
Under the Affordable Care Act (ACA), businesses with 50 or more full-time employees must provide affordable health coverage or face penalties. Smaller businesses are not required to offer insurance but may qualify for tax credits if they do.
How much does group health insurance cost?
Costs vary based on plan type, employee demographics, coverage levels, and employer contributions. Many employers cover 50% or more of employee premiums to make coverage affordable.
Can employees customize their health insurance options?
Yes! Many plans offer multiple coverage levels, allowing employees to choose the deductible, premium, and out-of-pocket costs that work best for them.
Are there tax benefits for offering group health insurance
Yes! Employers can deduct premiums as a business expense, and eligible small businesses may qualify for federal tax credits under the ACA.
Can I offer health insurance to part-time employees?
Yes, but it’s not required. Many businesses extend optional coverage to part-time workers, which can be a great employee retention tool.
What happens if an employee leaves the company?
Employees may have the option to continue their coverage under COBRA, allowing them to stay on the company plan for a limited time after leaving their job.
Can I bundle group health insurance with other benefits?
Yes! Many businesses bundle health, dental, vision, and life insurance to create a comprehensive employee benefits package.
