Group Health Insurance for Businesses
Affordable Employee Benefits That Work for You
Health Insurance Solutions for Employers
Offering quality health insurance is one of the best ways to attract and keep great employees, whether you’re a startup, a growing small business, or an established company. At Opportunity Insurance Agency, we help businesses design group health plans that balance coverage and cost so you can provide meaningful benefits without breaking your budget. As an independent agency, we compare multiple carriers and plan types to find options that fit your team’s needs. From medical to dental, vision, and life insurance, we make the process simple and tailored to your business. With our help, you can offer employee health benefits that give your company a competitive edge.
Our Group Insurance Offerings
Comprehensive Benefits for Your Team
Group Medical Insurance
We assist with a range of plan types including PPO, HMO, and high-deductible options to give your employees flexible, reliable coverage.
Employee Dental & Vision Plans
Add affordable dental and vision benefits to support overall employee wellness and satisfaction.
Employer-Sponsored Life Insurance
Offer employees added financial security with group life and disability coverage to protect their families.
Small Business Health Plans (Under 50 Employees)
We help navigate options for smaller groups, including SHOP Marketplace and private plans, to provide competitive benefits even if coverage isn’t mandated.
Customized Plan Design
Work with us to balance premiums, deductibles, and co-pays while exploring HSA-compatible or level-funded plan options.
Enrollment & Ongoing Support
We provide assistance during enrollment and throughout the year, helping employees understand their benefits and handling updates as your team grows.
Questions About Group Health Plans?
Straight Answers for Business Owners
How can I get health insurance for my small business?
Securing group health insurance starts with understanding your team’s size, needs, and budget. We’ll work with you to gather basic information, like a census of employees and desired coverage levels, and then compare options from multiple carriers. For businesses under 50 employees, coverage isn’t mandated in most states, but offering it can make you far more competitive in hiring and retaining talent. We simplify the process and help you offer meaningful benefits without adding unnecessary administrative stress.
What are the requirements for group health insurance in Iowa or other states?
Most states require a minimum number of employees to qualify for group coverage, though the specifics vary depending on location and carrier. For businesses under 50 employees, rules are often community-rated, meaning costs aren’t based on employee health history. We guide you through state-specific regulations and available carriers to ensure you meet requirements and understand your options, whether you’re in Iowa, Kansas, or elsewhere.
Are group health plans affordable for small businesses?
They can be more affordable than many business owners expect. We help you explore a variety of plan structures, including high-deductible options, level-funded plans, and HSA-compatible coverage to control costs while still offering strong benefits. Providing health insurance also helps reduce turnover, increases employee satisfaction, and may even offer tax advantages. By comparing multiple carriers, we help you find a solution that fits both your team’s needs and your budget.
Do you only offer medical insurance, or can you help with other benefits?
In addition to group medical plans, we can assist with dental, vision, and in many cases, group life and disability insurance. These additional benefits can make a big difference in employee recruitment and retention, especially for small and mid-sized businesses looking to compete with larger companies. We’ll help you create a package that supports overall employee well-being and aligns with your business goals.
What kind of support do you provide after we choose a plan?
We don’t disappear after enrollment. Our team helps your HR department or management handle new hire enrollments, annual renewals, and employee questions throughout the year. We can also host enrollment meetings—virtually or on-site—to help your team understand and use their benefits. Ongoing support ensures your employees feel confident in their coverage and helps you keep your benefits program running smoothly.
