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Small Group Plans

BenZen Insurance specializes in benefit solutions for growing teams of 2 to 20 employees.

We make it easy, so you can get back to business.

  • Top-Rated Carriers: Compare plans from Aetna, UnitedHealthcare, Blue Cross Blue Shield and others.
  • Online Enrollment: 100% online onboarding and renewals. No “lunch & learns” or workday distractions.
  • Employee Consultations: 1-on-1 consultations so your business doesn’t skip a beat.
  • HR Support & Compliance: Guidance and administrative support to keep your business protected.

Licensed for Small Group Benefits in: GA, MD, PA, VA

No Hassle Benefits

We don’t do cold calls or “lunch and learns” that cost your business time and money.

Our approach is built for speed — getting your team covered and back to work.

  • No Group Meetings: We never pull your team off the clock for mandatory presentations.
  • 100% Digital: Paperless, mobile-friendly enrollment that employees complete on their own time.
  • Consultations: We educate your staff 1-on-1 so you don’t have to.

Get A Quote

Fill out this form to get a preliminary quote for your group. We’ll send you a sample today to get you started — no obligation.

Currently accepting new groups in: GA, MD, PA, VA

Small Business Health Options

We provide a full suite of benefits from top-rated providers, tailored specifically for your budget:

  • Health Insurance: Access traditional Fully-Insured Plans and modern Level-Funded plans.
  • Dental & Vision: Premium “perks” to help you attract and retain top talent.
  • Life & Disability: Essential financial protection for your team’s future.

Which Plan Is Best?

When considering employer-sponsored health plans, you have two main options.

Fully-Insured and Level-Funded plans to provide the best balance of protection and savings.

To better understand how these plans work read this comparison:

Read: “Which funding type is the right fit for small employers?”

Fully-Insured Plans

The Industry Standard. You pay a fixed monthly premium, and the carrier assumes all financial risk for medical claims.

  • Best for: Businesses that want zero financial surprises and a “hands-off” administrative approach.
  • The Reality: The carrier keeps any surplus if your team stays healthy.

Pros & Cons:

  • Pros: Guaranteed fixed monthly costs; no extra liability if a “large claim” occurs; simple administration.
  • Cons: Higher overall premiums; no potential for a refund; very little data on what is actually driving your costs.

Level-Funded Plans

The Modern Hybrid. You pay a fixed monthly amount, but if claims are lower than expected, you could receive a surplus refund.

  • Best for: Healthy teams looking for cost transparency and significant savings.
  • The Benefit: You get the predictability of a fixed cost with the financial upside of a refund.

Pros & Cons:

  • Pros: Lower premium. Limited liability. Potential for refund.
  • Cons: Requires a health questionnaire for each employee.

Choosing the right plan depends on how you want to manage risk and the overall health of your team.