Illinois Group Health Insurance
You've Found the Best Illinois Group Health Insurance
US businesses lose around 4 billion workdays a year through employees' sickness. But this number probably would be significantly worse if it weren't for group health insurance plans encouraging them to seek early treatment or preventive care.
In Illinois, group health insurance protection at its best comes from the experts at CB Health Insurance.
Because it's our specialty, we know the Illinois group health insurance marketplace inside out and can tailor-make a program, ranging from the simplest to the most comprehensive protection for your employees. Our office is licensed both on and off the SHOP Exchange and can assist you in determining if your company would qualify for a tax credit for your group health plan.
Employee benefits are important to many workers and a great recruiting and retention program. And when your Employees know you care about them, they'll be motivated to care more about you!
Our office is licensed with the top Illinois small group health insurance carriers including Aetna, Allied, Blue Cross, Humana, Land of Lincoln Health, UnitedHealthcare and others. While premiums for individual policies have risen sharply since January 1, 2014, small group rates have become a little more stable. In addition, Group Health Premiums are the ONLY way an Employer can deduct contributions for an Employer's health insurance premiums. The law has effectively taken away the ability to deduct reimbursements for individual policies through an HRA arrangement. In addition to deducting the Employer contribution of your group health plan, any portion of the employee's premium can be paid pre-tax through a Premium Only Plan, reducing the Employer's FUTA and FICA contributions.
With so much chaos and so many changes in the individual marketplace, we are seeing more and more business looking at going back to offering or starting a group health plan for their employees and owners. Many Small Group insurance carriers are offering more flexibility as well by allowing Employers to offer a range of plan options from all levels (Gold, Silver, Bronze) and from PPO to HMO and H.S.A. plans and letting the Employees pick and choose the plans that work best for them.
CB Health Insurance will help you sort your way through the myriad of options available for group health coverage, stay on top of changes in the law, and make the most of available tax advantages. On an annual basis we will review your options and decide if we need to make changes or shop the marketplace for the best rates.
Simply complete the free Quotation Request Form on this page and we will identify the best Illinois group health insurance plan to meet your budget and protect the health of your workforce.
CB Health Insurance experts know the rules and regulations, the implications of the Affordable Care laws, and the multiplicity of policy options available. We will assist you not only with the initial enrollment, but provide support and guidance throughout the year, whether you are expanding and growing and adding people, or having to terminate employees. We will make sure you are compliant with all the IL and federal laws.
Don't hesitate. Complete the no-obligation form now to learn how our Illinois group health insurance program can help your employees – and your business – stay healthy