Group Health Plans
Build a benefits package your team actually uses—without blowing up your budget. LMB Financial Group helps small businesses design and manage group health insurance that attracts talent, controls costs, and stays compliant year-round.
What we do for you
- Plan design & quotes: PPO, HMO, EPO, HDHP/HSA; fully-insured, level-funded, and self-funded with stop-loss options across leading carriers.
- Cost control strategies: contribution modeling, narrow/focused networks, Rx optimization, wellness add-ons, and dependent/spousal carve-outs.
- Modern alternatives: ICHRA and QSEHRA setups to pair individual ACA plans with employer reimbursements when a traditional group plan isn’t the best fit.
- Ancillary benefits: dental, vision, life/AD&D, disability, accident, hospital indemnity, and critical illness for a rounded total-rewards package.
- Compliance & admin: ERISA/ACA guidance, 1094/1095 basics, SBCs, eligibility tracking, and COBRA/State Continuation coordination.
- Onboarding & service: clean enrollments, new-hire and renewal meetings, employee education, and a friendly help line for claims and network questions.
Startups, restaurants, retail, trades, nonprofits, and remote/hybrid teams—all welcome. We’ll benchmark your market, compare small-group health plans, and map a benefits roadmap that scales as you grow.
Clear results
- Lower volatility with level-funded options
- Better participation with smart contribution strategy
- Happier employees who understand and use their benefits
Ready to compare options in minutes? Book your free benefits checkup and get side-by-side quotes plus a cost forecast.
