Songer Insurance
304-252-2158 Schedule a consultation
☰×
Benefits for growing teams

Small group health insurance for 2–50 employees

Compare fully insured and alternative funding approaches for a small business without losing sight of employee experience.

Talk with an advisor →☎ 304-252-2158
Free local guidance

Build a better benefits plan

A local benefits advisor will respond personally.

By submitting this form, you give permission for a licensed Songer Insurance agent to contact you by phone or email about the insurance options you request. You are not required to enroll or purchase coverage. This request is not a Scope of Appointment.

Private • No obligation • Local support

Carrier and plan comparison
Employer contribution strategy
Enrollment and renewal support
Small-business benefits

A clear process for a smaller team.

Most small employers do not need more plan options. They need the same facts compared the same way. We organize your census, contribution goal and renewal timing first, then compare proposals side by side.

One census, every quote

Every carrier sees the same employees, tiers and effective date, so differences are real.

Budget before plan

Decide what the business can contribute, then see which plans fit.

Help after enrollment

Questions from employees and mid-year changes come to a local team.

Quote checklist for a 2–50 employee business

A good comparison starts with clean information. Gather these before we talk:

  • Current plan summary and the latest renewal notice
  • Employee census: date of birth, ZIP code, coverage tier, full or part time
  • Who has waived coverage, and whether they have coverage elsewhere
  • Your target employer contribution, in dollars or as a percentage

What we compare

  • Monthly cost for the business and for each coverage tier
  • Deductible, out-of-pocket maximum and copays
  • Doctor and hospital networks your employees actually use
  • Prescription drug coverage
  • Participation and contribution rules for each carrier

Timeline

Start when the renewal notice arrives. Give yourself time to compare, decide and enroll employees before the effective date.

See HealthCare.gov's small-business resources for an official overview.

General educational information. Coverage, eligibility and plan terms vary.

Common questions

Start with a clear answer.

These are general explanations. A licensed advisor can help you apply them to your specific situation.

What do I need to start a quote?+

Usually a current plan summary or renewal, an employee census, and your target contribution. We tell you exactly what is missing.

Can an owner or part-time worker be covered?+

It depends on the carrier's rules for owners, hours and participation. We confirm with each carrier before you decide.

When should I start before renewal?+

Earlier is easier. Start as soon as you receive the renewal notice so there is time to compare alternatives.

Local help when you are ready

Talk through your options with Songer Insurance.

No call center. No pressure. Just clear guidance from a licensed local team for employers.

See all contact options →