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Small Business

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: Customize your benefits 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

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No Hassle Benefits

No cold calls or group presentations that cost your business time and money.

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

  • Custom Built: We help you design a plan that balances benefits and saves you money.
  • 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.

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.

Fully-Insured or Level-Funded?

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 summary:

Read: “How Do Level-Funded Plans Work?”

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.

Get Started

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

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