Group benefits
Coverage for New Hampshire employers
Small and mid-sized businesses have more funding options than most owners realize — and the right structure depends on headcount, claims history and appetite for risk.
Three funding structures
Fully-insured
You pay a fixed premium and the carrier takes the risk. Predictable, simple to administer, and the usual starting point for smaller employers. Read more
Level-funded
A middle path. You pay a steady monthly amount, but a good claims year can come back to you. Read more
Self-funded
You pay claims directly with stop-loss protection against catastrophic years. Most control, most volatility. Read more
What we handle
Most small employers don’t have a benefits department. They have an owner or an office manager who inherits renewal season along with everything else.
We handle the market check, the plan comparison, the employee communication, and the annual renewal — so the decision arrives with context rather than as a percentage increase in an email.
We can also look at ancillary lines: dental, vision, life, disability and supplemental coverage that rounds out an offer without moving the medical budget much.
Also worth discussing
- HRA and ICHRA arrangements as an alternative to group coverage
- Dental, vision and ancillary benefits
- Group life and disability
- Employee education sessions at enrollment
- Whether your current renewal was actually market-tested
When does your plan renew?
The useful conversation happens about ninety days out. Earlier is better than later.