Group Health Insurance Plans That Help You Attract, Retain, and Support Your Team
Offering health insurance is one of the most impactful decisions a small business owner can make. It’s a competitive advantage when hiring, a retention tool for your best employees, and a benefit that shows your team you’re invested in their well-being, not just their productivity.
At PHX Insurance Advisors, we help small and mid-sized businesses across Arizona compare group health insurance options and build benefit packages that work for both employers and employees.
The reality for small businesses in Arizona is clear: talent is competitive, and benefits play a major role in where people choose to work. According to industry data, over 55% of employees consider health benefits a deciding factor when evaluating job offers.
For businesses that don’t offer health coverage, the consequences can include:
Offering group health insurance doesn’t have to be complicated or unaffordable. With the right guidance, even businesses with a handful of employees can find plans that fit their budget while providing meaningful coverage for their team.
We help business owners evaluate and compare several types of group health insurance:
Traditional group health plans are purchased by the business and offered to eligible employees. The employer typically contributes a portion of the premium, with employees paying the remainder through payroll deductions. Group plans often provide better rates than individual coverage because risk is spread across the group.
Level-funded plans are an increasingly popular option for small businesses. They combine elements of self-funded and fully insured plans, offering more predictable monthly costs while providing the potential for savings if the group has a healthy claims year. These plans are particularly attractive for businesses with 5 to 50 employees.
Beyond health insurance, many businesses choose to offer additional benefits including dental, vision, life insurance, and supplemental coverage. Bundling these benefits often results in better rates and gives employees a more comprehensive benefits package.
For businesses that want to contribute to employee health coverage without managing a group plan, health reimbursement arrangements allow employers to reimburse employees for individual health insurance premiums and qualified medical expenses on a tax-advantaged basis.
Navigating small business health insurance involves several considerations:
We guide you through each of these factors so you understand your options and obligations before making any commitments.
Working with PHX Insurance Advisors is straightforward and designed to save you time:
We learn about your business, team size, budget, and goals for offering benefits
We compare options across multiple carriers and plan types to find the best fit
We present your top options with clear comparisons of costs, coverage, and networks
We help you communicate the new benefits to your team and answer their questions
We handle the enrollment process and make sure everything is set up correctly
We stay involved year-round for questions, changes, and annual renewals
You started your business to do great work, not to become a health insurance expert. Our job is to handle the complexity so you can offer competitive benefits with confidence, knowing your team is covered and your business is protected.
Whether you have 3 employees or 50, we’ll find a plan that works for your budget and your team.
No cost, no obligation. Our advisors will compare plans from top carriers and find the best fit for you.
