Group Plans
BenZen Insurance is an independent agency offering benefits solutions to small businesses with 2-10 up to 50 employees:
- SHOP Marketplace Plans (Exchange)
- Private Health Insurance (Off-Exchange)
- Health Reimbursement Arrangement (HRA)
- Level-Funded Health Plans
We’re licensed with top-rated carriers and assist companies in Maryland, Pennsylvania, Virginia & Georgia.
Looking for Individual & Family Plans? Click here >>
We Make It Easy.
If you thought your group was too small, contact us for an estimate or book a free phone call to learn more!
- Health Insurance
- Dental & Vision
- Life Insurance
- Disability Insurance
- Supplemental Insurance
- HRAs (QSEHRA & ICHRA)
At BenZen, our team does the heavy lifting so you can get back to business.
- Employee Consultations
- Digital Enrollment & Renewals
- Benefits Administration
- HR Assistance & Compliance
Small Group Health Plans
Having health insurance from top-rated providers doesn’t just protect your business, it also helps make sure you have a strong, healthy, and productive team.
SHOP Marketplace Plans (On-Exchange)
- Purchased on ACA health insurance exchange
- Small Business Healthcare Tax Credit
- Limited provider network options
- Health & Dental
Private Health Plans (Off-Exchange)
- Purchased directly from an insurance company or broker
- No financial assistance or tax credit
- Broader provider network options
- Health, Dental, Vision, Life & Disability
Level-Funded Health Plans
- Combines features of traditional insurance and self-insured plans
- Predictable monthly premiums
- Customizable benefits tailored to your small business needs
- Potential for rebates based on annual claims
- Offers more control over plan design and cost management
We help businesses in Maryland, Pennsylvania, Virginia & Georgia and specialize in small groups with 2-10 employees and larger groups up to 50.
Maryland Small Business Health Insurance
Visit Maryland Health Connection (MHC) for Small Business to get started with SHOP health plans. Enrolling through MHC is the only way to obtain the Small Business Healthcare Tax Credit.
Private Health Plans
You can also have your broker compare private insurance plans outside the Marketplace.
- Aetna
- CareFirst
- Kaiser Permamente
- UnitedHealthcare
Maryland Health Connection for Small Business >>
Pennsylvania Small Business Health Insurance
Pennie is the official health insurance marketplace for residents of Pennsylvania shopping for individual coverage. Some employers will refer their workers here to find affordable coverage on their own.
Private Health Plans
However, for group plans, Pennie does not participate in the SHOP program, (at this time) but you can work directly with a Pennsylvania health insurance broker to get started with private health plans.
If you’re a small business owner with 2-50 employees in the Greater Philadelphia area contact us to get rates from:
- Highmark
- Independence Blue Cross Blue Shield
- UnitedHealthcare
Virginia Small Business Health Insurance
In Virginia, you have two options for SHOP coverage: CareFirst & Kaiser Permamente.
You can access these plans directly from Virginia’s Insurance Marketplace. Availability may be limited based on your location.
Private Health Plans
For private health plans off-exchange we have more options are available:
- Aetna
- Anthem
- Sentara
- UnitedHealthcare
Virginia’s Insurance Marketplace for Small Business >>
Health Reimbursement Account (HRA)
HRAs (Health Reimbursement Account, or Health Reimbursement Arrangement) are tax-free accounts that small employers can use to help employees pay for medical expenses.
They’re similar to HSAs but don’t require employees to have a high-deductible health plan. The two main HRAs:
- QSEHRA: Budget-friendly option for businesses under 50 employees with no group plan. Contributions have IRS limits. Employees need individual health insurance or Medicare.
- ICHRA: More flexible option for businesses of any size, even with a group plan. No contribution limits, but more administrative work. Employees need individual health insurance or Medicare.
To get started with an HRA, you’ll need a Third-Party Administrator (TPA) to handle the administrative tasks like account setup, claim processing, and ensuring compliance with IRS regulations.
With a TPA managing the HRA, your employees can then enroll in a Qualified Health Plan through a Special Enrollment Period.
As a licensed broker, we’ll help your employees get enrolled and our partner PeopleKeep will waive your setup fees to save you money!
Dental
Dental insurance can help make your employees happier and healthier.
Because this affordable benefit can have a surprisingly strong return on investment, it’s also a huge advantage for small businesses.
By offering voluntary benefits your employees want and need you’ll stand out from the competition, and create a happy, healthy work environment.
Vision
Get a vision plan designed for health, and tailored to meet the coverage, network, and budget needs of your diverse workforce.
BenZen helps you design a plan for your unique employees, at a price that fits your budget.
Supplemental
It’s not always about the money! That should be good news if you’re running a small business in Maryland, Pennsylvania & Virginia.
Studies show one of the top indicators of workplace satisfaction isn’t salary — it’s the company’s culture and the owner’s core values. Simply put, the more the better!
Supplemental insurance is a simple and cost-effective voluntary benefit you can add to your existing package with little to no direct costs to your company.
You customize the offering and can choose to make contributions. Your employees get to sign up for what they want at discounted group rates through payroll deduction.
- Accident Insurance
- Cancer Insurance
- Hospital Insurance
- Critical Illness Insurance
- Disability Income Insurance
- Group Life Insurance (Term & Whole)
Supplemental plans cover the gaps left with health insurance and help recover out-of-pocket expenses like deductibles, copays, and coinsurance.
With a streamlined online process, supplemental insurance can be integrated into your current benefits any time of year.
How Does Supplemental Insurance Work?
While traditional health insurance covers medical expenses with payments to healthcare providers, most supplemental plans provide lump sum benefits directly to your employees.
Benefits from supplemental plans can be used for anything like deductibles & medical expenses or household bills such as rent, mortgage & child care.
Thanks to you, employees get access to plans and rates only available to small groups.
Questions?
Get the help you need with no obligation by email, phone or chat.
Experts are ready to guide you at no additional cost in the following states:
FL, GA, MD, MS, NC, PA, SC, TN, TX, VA
Your privacy is our priority. We don’t share personal information or collect payments, ensuring a safe and secure experience.
