Affordable Group Health Insurance

Using HealthShares to Grow HSAs While Reducing Risk

We Provide Innovative Products that Can Eliminate High Deductibles, Dramatically Decrease Premiums and Become a Better Solution for Caring for Your Employees

Why Choose HCap For Health Insurance?

Who We Provide Healthcare Insurance and Services for:

Health Insurance for Businesses

HCapStrategy revolutionizes affordable group health insurance by combining traditional health insurance with innovative HealthShare programs. Our unique approach to group health insurance helps businesses secure comprehensive health coverage while maximizing benefits and minimizing costs. Through our innovative health plans, we help companies provide superior health care benefits while managing medical expenses effectively. Our solutions align with Affordable Care Act requirements while offering flexible coverage options that work for both employers and employees.

Health Insurance for Small Business

Small group businesses face unique challenges in today’s health insurance marketplace. Our affordable group health insurance solutions are specifically designed for small business needs. We combine health savings account options with comprehensive group health plans to create cost-effective coverage that truly serves your team. Our approach helps small businesses reduce monthly premiums while maintaining essential health benefits. Through careful plan design and tax credit optimization, we make quality health care accessible for small group enterprises.

Individual Health Insurance Without Coverage

For individuals seeking affordable health insurance options, we provide personalized solutions that protect both health and financial well-being. Our individual health insurance plans offer comprehensive medical coverage without the burden of traditional high deductible health plans. Through our innovative HealthShare programs, individuals can access quality care while keeping monthly costs manageable.

Take a look at our plan rates for yourself

Our plans put money into your account! – this is INCLUDED in the premiums shown in purple in this table.

Experience benefits with Planstin and Zion Healthshare

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Diverse Business Types Using HCap

We Have a Solution For You!

Health Benefits for All

Our affordable group health insurance packages provide complete health care solutions across all categories. From comprehensive medical coverage to dental insurance integration, we ensure access to quality provider networks and essential care services. Our team helps navigate patient protection requirements while maximizing available benefits and coverage options.

As an experienced insurance company, we understand how to optimize health insurance coverage for every situation. We help clients find extra savings through strategic plan design, appropriate job-based coverage selection, and efficient benefit structuring. Our focus remains on delivering affordable group health insurance that provides real value.

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Expert Support and Guidance

Our dedicated team helps businesses and individuals understand their health insurance options and benefits packages. We provide comprehensive support for all your group health insurance needs, from managing medical expenses to maximizing tax advantages. Our expertise ensures you get the most value from your insurance investment.

Affordable Group Health Insurance FAQs

Most frequent questions and answers

What types of health insurance plans do you offer?

We offer a variety of health insurance plans tailored to meet the needs of small to medium businesses, individuals, and families. Our plans include traditional health insurance with flexible coverage options and innovative HealthShare programs. Whether you need comprehensive group coverage for your employees or individual plans with customizable deductibles and premiums, we have solutions to fit your budget and healthcare needs.

Is it true that you Load Money into our Health Saving Account?

Yes, HCap Strategy’s vision is “Employers with Happier, Healthier Employees that are Growing their HSAs by Increasing their Healthy Behaviors and Decreasing their Risk Exposure. Our Insurance + HealthShare plan typically adds annually $1,200 for employee only, $1,860 for employee + spouse and $2,700 for employee + family. That is your money to use as you see fit for qualifying health expenses!

Who do you partner with for health savings accounts

We are proud to partner with Health Equity for our Health Savings Accounts.

How do healthshare options work?

HealthShare programs are a community-based alternative to traditional health insurance. Members contribute monthly to a shared pool of funds used to cover eligible medical expenses for the community. These programs emphasize shared responsibility and mutual support, resulting in lower monthly costs and less out of pocket during a medical event than compared to traditional insurance. HealthShare options are designed to provide cost-effective solutions for individuals and families. With HCap Strategy, a HealthShare can be combined with traditional health insurance providing the best of both worlds.

Can I choose my own healthcare providers?

Yes, most of our plans don’t have any network restrictions, giving you the flexibility to choose the doctors, specialists, and hospitals you prefer.

What if I have questions or need assistance with my plan?

Our dedicated team is here to support you and your employees every step of the way. Whether you have questions about selecting the right plan, understanding your benefits, or managing your coverage, we offer personalized assistance to ensure you have a smooth experience. You can reach us by phone, email, or through our website’s contact form for prompt and helpful responses to your inquiries.

9 West Forest St. Suite 308

Brigham City, UT 84302

(435) 239-3154
support@hcapstrategy.com