Group health insurance
Comprehensive medical coverage tailored to your workforce
At Prime Benefit Solutions, we believe that a one-size-fits-all approach to health insurance doesn't work. We partner with major national carriers and local providers to design Group Health plans that offer the best possible care for your employees while protecting your company’s bottom line. Whether you are a small startup or a large enterprise, we navigate the complexities of plan design so you don’t have to.
Core Capabilities
Fully-Funded Plans
Employer pays a fixed monthly premium while the insurance carrier assumes all claims risk and retains any unused funds.
Level-Funded Plans
Fixed monthly payments cover claims, admin, and stop-loss insurance, with potential refunds if claims are lower than expected.
Self-Funded Plans
Employer pays claims directly, allowing flexibility and cost control, but with increased financial risk.
Direct Network Contracting
Employers contract directly with providers for transparent pricing and discounted healthcare services.
Captive Insurance Programs
Multiple employers share risk in a group-owned structure, often reducing costs and generating potential returns.
ICHRA
Employers provide tax-free allowances for employees to purchase individual health insurance plans.
PEO Solutions
Businesses join a larger pool to access benefits, HR services, payroll, and workers’ compensation support.
Reference Based Pricing
Plans reimburse providers based on a set percentage above Medicare rates instead of traditional networks.
Direct Primary Care
Flat monthly membership provides employees with unlimited access to primary care services with minimal out-of-pocket costs.
MEC Plans
Low-cost options that meet ACA minimum requirements but do not include comprehensive major medical coverage.
High Deductible Plans with HSA & FSA
Lower premiums paired with higher deductibles, allowing employees to use pre-tax accounts for medical expenses.
Innovative Solutions
Access to emerging healthcare strategies and products designed to improve cost efficiency and plan performance.
The strategy
Health insurance is the #1 factor candidates consider when choosing an employer. By offering a competitive medical plan, you reduce turnover and build a culture that values the long-term well-being of its staff. We also handle the heavy lifting of ACA compliance and annual renewals.
