Group Health Insurance for Your Business

The right health plan does more than check a compliance box — it helps you attract and keep the people who drive your business forward.

Choosing a Group Health Plan Is More Complex Than It Used to Be

Group health insurance is one of the most consequential benefits decisions a business makes, and the options available today are broader — and more technical — than they were even a decade ago. HMO, PPO, and HDHP plan structures each carry different cost-sharing arrangements, network constraints, and employee experience implications. Layer in HSA, HRA, and FSA account compatibility, and the decision quickly becomes one that benefits from experienced guidance rather than a carrier's online enrollment tool.

 

As an independent group health insurance broker, MJM Global works with carriers across the market to evaluate plan designs objectively — without a preferred carrier pushing us toward a particular solution. We help business owners, CFOs, and HR leads understand what each structure actually means for their employees and their bottom line, then build a recommendation around that.

 

Whether you are offering health coverage for the first time or re-evaluating a plan that has grown too expensive or too limited, we bring the market to you and help you make a decision you can stand behind.

Plan Structures We Place and Administer

We work across the full range of group health plan types, including:

 

  • HMO (Health Maintenance Organization) — lower premiums with network-based care coordination; a strong fit for employers whose workforce is concentrated in a defined geographic area
  • PPO (Preferred Provider Organization) — greater provider flexibility and no referral requirements; typically the preferred structure for employees who value choice
  • HDHP (High-Deductible Health Plan) — lower premium costs paired with higher deductibles; commonly paired with an HSA to give employees a tax-advantaged way to cover out-of-pocket expenses
  • HSA, HRA, and FSA administration — we assist with account setup, employee communication, and ongoing administration for all three account types
  • Dental and vision coverage bundled or standalone
  • Life and disability coverage integrated into the overall benefits package

 

For employers evaluating a move away from fully insured plans, we also place self-funded and level-funded arrangements. These structures can offer meaningful cost advantages for qualified groups, and our team can model the financial differences before any commitment is made.

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Why Employers Work With an Independent Broker Rather Than Going Direct

Our clients range from small businesses offering group health coverage for the first time to mid-market employers managing more complex benefits structures. In either case, the relationship does not end at enrollment. We stay engaged through the plan year and bring renewal analysis to the table before your carrier does.

Frequently Asked Questions About Group Health Insurance

  • How do I set up group health insurance for my employees?

    The process begins with gathering basic information about your company and workforce — number of employees, average age distribution, and any current coverage in place. From there, your broker requests quotes from carriers, presents plan options with cost comparisons, and coordinates enrollment once you select a plan. MJM Global manages this process on your behalf and remains available throughout the plan year.

  • What is the difference between an HMO and a PPO plan?

    An HMO requires employees to select a primary care physician and receive referrals to see specialists, with care limited to an in-network provider list. A PPO allows employees to see any provider — in or out of network — without a referral, typically at a higher premium cost. The right structure depends on your workforce's geographic distribution and how much flexibility your employees expect.

  • What is a high-deductible health plan, and should my company offer one?

    An HDHP is a plan design with lower monthly premiums and a higher annual deductible before the plan begins covering costs. These plans are eligible to be paired with a Health Savings Account, which allows employees to set aside pre-tax dollars for qualified medical expenses. HDHPs can reduce employer premium costs meaningfully, but they work best when employees are educated on how to use the accompanying HSA effectively.

  • How much does group health insurance cost for a small business?

    Employer costs vary based on the number of employees, plan design, carrier, geographic location, and the contribution percentage the employer elects to cover. There is no single figure that applies across businesses, which is why a broker-run market analysis is the most reliable way to understand your actual cost range before making a decision.

  • Can a small business qualify for group health insurance?

    Most carriers require a minimum of two enrolled employees to qualify for a small group plan, though eligibility rules vary by state and carrier. Businesses with fewer than 50 full-time equivalent employees are generally considered small groups under ACA guidelines and have access to small group market plans. MJM Global can confirm eligibility and identify the available options for your specific situation.