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Resources to help

We have a number of free resources for employers, CEOs, business owners, HR departments, health insurance agents, and business consultants.

Click through our resource sections to learn more about the Affordable Care Act, Benefits, and HR.

Questions? We’re always here to help.

Give us a call: 1-800-391-9209

Check out some of our featured resources

Health Reimbursement Accounts in 2015
The Small Business Owner's Guide to Modified Adjusted Gross Income
The Small Business Guide to Human Resources
The Painless Guide to HRPs

Why Individual Health Insurance Is Better.

How Group Health Insurance Works

No Consumerism

Group health insurance is broken because you have an employer picking a one-size-fit-all plan for employees and families with very different needs. As a result, most employees have NO idea what their health insurance plan is or what it covers.

Unsustainable Costs

The average cost to cover an employee with group health insurance has increased from $2,196 per year in 1999 to $5,884 per year in 2013. For family coverage, the cost has increased from $5,791 per year in 1999 to $16,351 per year in 2013. This is not sustainable for employers or employees.

Not Portable

Employer group policies may only be held by a company's employees. When an employee terminates employment, their family loses coverage unless they elect COBRA, which is often unaffordable.

How Individual Health Insurance Works

Employee Choice

With individual health insurance, employees choose the coverage and doctors that best fits their family's needs. Individual plans are categorized by four levels of coverage called "metallic tiers" to make it easy to compare options.

Lower Costs

On average, individual health insurance plans cost 20% less than traditional group health insurance, and special "discounts" are now available for plans purchased in the Health Insurance Marketplaces. These discounts, called “premium tax credits,” will help eligible employees buy individual plans at reduced price.

100% Portability

Individual health policies are superior to group coverage for all employees because they are permanent and portable, independent of their employment. As a result, there is no more need for expensive, temporary COBRA.