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Group Health

Group Health Information

Why choose PLR for your group health insurance needs? Well, for one, we’re probably in the same boat you are -- a central Illinois business looking for the best possible coverage for our employees without also putting ourselves out of business.

We’ll also repeat what you’ve probably seen other places on our website. Other insurance companies will tell you “most” people choose them for X reason. Some of the big companies don’t even give you a reason why you should choose them.

At PLR, our reason is simple: We believe that everyone's insurance needs are not the same.

Our approach to group health insurance begins with a conversation; no insurance agency can give you what you need without first understanding your business. We use that information and our expertise to match you with the right policy.

If you are ready to start the conversation, we would love to talk to you. If not, we encourage you to explore the information below.

What is group health insurance?

Group health insurance is a single policy issued to a group of people, offering uniform healthcare benefits to all members. In most cases, these policies are purchased by employers and offered to eligible employees and their families as part of an employee benefits package.

Enrolling in group health insurance generally costs participants less than what they would pay for an individual healthcare policy for two main reasons:

  1. The risk is spread over the whole group, as opposed to just one individual.

  2. Employers are required to pay a portion of employees’ premiums.

Oftentimes, these group health insurance and benefits packages serve as a draw when recruiting prospective employees or are a reason good employees stay in a role long term. This means it’s critical that you think long and hard about the policy you offer, because it’s going to affect your bottom line in more ways than one.

What are the benefits of group health insurance?

For employees, the benefits of group health insurance include the reduced price of healthcare and the ease of enrolling through their employer.

For employers, the benefits range from attracting quality workers to the tax credits they can receive.

Is your business required to purchase group health insurance?

Large businesses with 50 or more employees are now required to offer group health insurance under the Affordable Care Act.

Small businesses with fewer than 50 employees are not required to offer coverage, but they can qualify for tax credits to help offset the cost if they choose to offer healthcare and pay for at least half of each employee’s premium.

More questions? We’re happy to help -- click here to contact us for more information.

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