Group Health Insurance for Businesses | MHG Insurance

Helping employers manage Employee Benefits

Guidance for HR and business leaders managing Employee Benefits.

As a Group Health insurance and Employee Benefits broker, we help employers design, implement, and manage benefits programs that align with their workforce, budget, and business goals. From plan selection and enrollment to renewal planning, our team helps simplify benefits administration for employers and HR professionals.

Helping employers manage Employee Benefits

Learn more about Group Health insurance

Building a successful benefits program involves more than selecting a health plan. The sections below highlight common coverage options employers offer and the support MHG provides throughout the year.

Common employer group benefits

Common employer group benefits

Essential benefits matter most.

Group Health insurance programs can be customized with benefits that employees value and strengthen your overall compensation package, including Dental and Vision coverage, Life insurance, Disability insurance, Voluntary Benefits, HSA/HRA options, and wellness programs.

Why employers choose MHG

Why employers choose MHG

Year-round benefits guidance.

Most insurance brokers can provide quotes and access to a variety of carrier options. What sets MHG apart is the service that we provide. We assist with onboarding, employee communication, coverage questions, claims advocacy, and renewals, helping employers and employees get the most from their benefits year-round.

Frequently Asked Questions

Find answers to common questions about Employee Benefits, including eligibility, costs, plan options, and strategies for managing healthcare expenses.

How many employees do I need to qualify for Group Health insurance?

Eligibility requirements vary by state and insurance carrier, but many Group Health insurance plans are available to businesses with as few as two eligible employees. Some carriers may have additional participation or employer contribution requirements. A Group Health insurance broker can help determine which plan options are available based on your company size and workforce.

What are the benefits of working with a Group Health insurance broker?

A Group Health insurance broker helps employers compare plans from multiple carriers, manage renewals, and build better benefits packages that meet the needs of the business and its employees. Beyond helping employers select coverage, MHG Insurance provides ongoing support to clients throughout the year. We assist with employee onboarding, answer coverage questions, help resolve claims issues, and serve as an advocate for employees if challenges arise. This is often where a knowledgeable and responsive broker can make the biggest difference.

Who can enroll in benefits?

Typically, all full-time employees are eligible to enroll in the company’s Group Health insurance plan, along with their dependents, including their spouse, domestic partner, and children. Part-time employees may be able to enroll in the Group Health plan in some companies, depending on the minimum hours required by the insurance company. Contractor employees may or may not be eligible for benefits.

How can I keep my Group Health insurance costs under control?

Most employers start by taking a close look at their current plan several months before their renewal. In some cases, changing carriers or adjusting plan designs can help manage costs. The best approach depends on the size of the group, employee needs, and the company's budget. This is just one of the areas where an experienced, service-driven insurance broker can really help.

What is the difference between a fully insured and level-funded health plan?

With a fully insured plan, the employer pays a set monthly premium to the insurance carrier. The carrier takes on the risk and is responsible for paying employee claims.

On a level-funded plan, the employer still makes a set monthly payment. That payment is used to cover expected claims, administrative costs, and stop-loss insurance. If claims are lower than expected, there may be money left over at the end of the year, depending on how the plan performs.

Not every employer is a fit for level-funded coverage, so it’s usually worth reviewing both options with a broker before making a decision.