HCapStrategy
Group Health Insurance for Small Businesses
At HCapStrategy, we specialize in making group health insurance for small business accessible, affordable, and effective. We understand that as a small business owner, finding the right balance between comprehensive coverage and cost management is crucial for your company’s success.
We can help you obtain affordable, effective health insurance
Get Innovative with HCap!
Save thousands and get a better benefit than traditional insurance by combining Base Health Insurance + a HealthShare + a Health Savings Account. Our rates typically INCLUDE $'s going into your Health Savings Account.
Our approach to group health insurance for small business goes beyond traditional insurance plans. We combine innovative health maintenance organization options with preferred provider organization flexibility to create customized solutions that work for small employers. By integrating health savings account features with comprehensive group health insurance plans, we help small businesses maximize their benefits while controlling costs.
Innovative Health Coverage Solutions
Here’s a breakdown of our coverage costs:
Understanding Your Small Business Needs
As experts in small group health insurance, we recognize that every small business faces unique challenges. Whether you're exploring individual plans or group coverage options, our team helps you navigate the complexities of health insurance coverage. We work with the best health insurance companies to provide solutions that align with both the Affordable Care Act requirements and your business objectives.
Comprehensive Benefits Package
Our group health insurance for small business packages include: Complete health care coverage Life insurance options Employee benefits programs Wellness programs integration High deductible health plan options Shop coverage flexibility
Solutions for Small Business Owners
As a small employer, you need more than just basic insurance coverage. Our group health plan options provide comprehensive protection while offering cost-saving opportunities through: Strategic health benefit design Integrated health savings accounts Flexible coverage options Customized group insurance solutions
Maximizing Value for Small Businesses
We help small business owners navigate complex health insurance decisions by providing: Clear explanations of coverage options, transparent cost structures, support for medical expenses management, access to the best health insurance networks, guidance on group health insurance for small business compliance
Who We Work With:
Better HSA and medical benefits administration, at a fraction of a cost
- Base health
- ACA Compliance
- Health Savings Acct or Copay
- Telemedicine
- Dental
- Vision
- Mental Wellness
- 401k
Sharing risk and avoiding financial tragedy from unexpected health events
- hospitalization
- Surgery
- Accident/Injury
- Critical Illness
- Maternity
- Low out of pocket
- Affordable
- No deductibles
Lower premiums, better benefits, and smarter insurance.
- Cost Savings
- Better Benefits
- Get Motivized!
- HSA’s
HSAs Gives You the Control!
Beyond Basic Coverage
Our comprehensive small group health insurance solutions address both immediate and long-term needs. We help small businesses build sustainable benefits packages that include:
- Preventive care services
- Comprehensive coverage options
- Strategic group plan design
- Individual health insurance alternatives
- Enhanced employee benefits
Supporting Business Growth
Understanding that each business owner has unique needs, we create flexible insurance plans that grow with your company. Our group health insurance plans provide the foundation for strong employee retention while managing costs effectively. We work with multiple insurance companies to ensure you get the most competitive rates and comprehensive coverage options.
Expert Guidance and Support
Our team provides ongoing support to help you:
- Navigate health coverage options
- Understand insurance plan details
- Manage medical expenses effectively
- Implement wellness programs
- Optimize employee benefits
Get Affordable Health Insurance Now
As your partner in group health insurance for small business, we’re committed to helping you build a stronger, healthier company. Contact HCapStrategy today to discover how our innovative solutions can transform your approach to employee health benefits.
Call us at 435-239-3154 or visit our website to learn more about our comprehensive small business health insurance solutions. Let us help you create a benefits package that works for both your business and your employees.
Choosing Health Insurance for Small Businesses: A Three-Step Guide
Cost Effective Health Plans
Understanding that financial management is crucial for small businesses, our group health insurance for small business solutions emphasize value without compromising quality. We achieve this through careful plan design, network optimization, and strategic use of health savings accounts. Our partnership with multiple insurance companies allows us to offer competitive rates while maintaining comprehensive coverage.
Customized Wellness Integration
Modern small group health insurance must address both reactive and preventive care needs. Our plans incorporate wellness programs that help reduce long-term medical expenses while promoting employee health. These integrated solutions help small employers create a culture of wellness while managing healthcare costs effectively.
Flexible Implementation
We understand that transitioning to new group health insurance plans can be challenging for small business owners. That’s why we provide:
- Step-by-step implementation support
- Employee education resources
- Ongoing administrative assistance
- Regular plan performance reviews
- Continuous optimization recommendations
Compare Us To Traditional Health Insurance Plans
| Comparison | Traditional Insurance | HCap Strategy |
|---|---|---|
| Has a Monthly Premium | ||
| Has a Monthly Membership Rate that is likely substantially less than a premium | ||
| Provides protection against expensive health events | ||
| Usually have to continue to pay for expenses after your deductible is met through coinsurance | ||
| Once you pay your Initial Unshareable Amount (IUA) all other expenses are covered for this event | ||
| Very likely that your max out of pocket will be substantially less with an event | ||
| Covers preventative doctor visits | ||
| Has terms like Deductible, Coinsurance, Premiums Etc | ||
| Has terms like IUA, Monthly Membership Rate | ||
| Can address pre-existing conditions | ||
| Has prescription drug benefit | ||
| Provides a Heath Savings Account (HSA) benefit | ||
| Has an option to add a Dental plan | ||
| Has an option to add Vision plan | ||
| Has Consolidated Billing | ||
| Generally requires you to use a specified "network" for best procedure price | ||
| Gives you more control over deciding where to have a procedure performed | ||
| Will work with the doctor, hosptial, surgical center to pay your bill for you | ||
| When at the hosptial, you present yourself as a "Self Pay" customer | ||
| Does the best job at finding the best value for surgeries, procedures and care | ||
| Eliminates a lot of expense entailed with Traditional Insurance | ||
| Includes a death benefit automatically for no additional cost | ||
| Includes a Wellness Program called Doable Wellness that incentivizes healthy behaviors and includes an invitation for quarterly Body Scans. | ||
| Included incentive for proactive healthy behaviors like exercise, healthy eating, mindfulness activities and more using Doable Wellness | ||
| Provides The Dinnerhub to simplify getting Healthy Dinner on the Table | ||
| Provides The Exercisehub for at home Doable Workouts |
Small businesses shouldn’t put off getting health insurance—it’s a game-changer for several reasons. First off, offering health coverage helps you attract and keep top talent. It shows you care about your team’s well-being, which boosts morale and loyalty. Plus, having insurance protects both you and your employees from unexpected medical bills that could otherwise hit hard. It’s not just about being prepared—it’s about being a business that cares and stands out in your community.
At HCapStrategy, your health is our priority. Let us help you navigate the complex world of health insurance and provide you with the peace of mind you deserve.
Health Insurance for Small Business FAQs
Health insurance is crucial for small businesses because it helps attract and retain talented employees by offering valuable benefits. It also protects both employees and employers from high medical costs, ensuring financial stability and peace of mind.
Small businesses have access to a variety of health insurance plans, including Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), and High-Deductible Health Plans (HDHPs) with Health Savings Accounts (HSAs). Each plan type offers different levels of coverage and cost-sharing options.
Choosing the right health insurance plan involves assessing your business’s healthcare needs, budget constraints, and employee preferences. It’s advisable to compare plans from different providers, considering factors like coverage options, network of healthcare providers, and affordability.
Yes, small businesses can often deduct the cost of health insurance premiums as a business expense. Employees typically contribute to premiums on a pre-tax basis, reducing taxable income for both parties. Consulting with a tax advisor can provide further insights into potential tax advantages related to health insurance.