Benefits at scale

Large group health insurance for 50+ employees

Build a large-group strategy around workforce needs, funding, compliance and long-term cost control—with guidance designed specifically for employers.

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Free local guidance

Build a better benefits plan

A local benefits advisor will respond personally.

Private • No obligation • Local support

✓Plan design and funding analysis
✓Renewal and contribution strategy
✓Employee communication support

Employers with 50+ employees

Benefits that stay manageable as you grow.

Larger groups have more moving parts: multiple locations, different employee needs, funding choices and federal reporting. We keep the plan design, budget and compliance questions in one conversation.

Funding options

Compare fully insured, level-funded and self-funded approaches using your own claims and census.

Employer responsibilities

Know whether federal employer rules apply to you and what reporting that involves.

Renewal strategy

Review the renewal early and decide what to keep, change or market.

Do federal employer rules apply to you?

The Affordable Care Act uses the term applicable large employer. The IRS explains how to determine whether you are one. It counts full-time employees and full-time equivalents, averaged over a period.

If you are one, you may have obligations under the employer shared responsibility provisions, including reporting. Your tax or legal adviser should confirm how this applies to your business.

What to review at renewal

Premium change and what drove it
Plan design: deductible, copays and network
Contribution strategy and how it affects families
Funding alternatives, including level-funded and self-funded options
Employee experience: complaints, claims issues and enrollment questions

Managing several locations

Employees in different towns or states may need different networks. We check provider access where your people actually live before recommending a plan.

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.

Does my business count as a large employer?+

Federal rules look at full-time and full-time-equivalent employees over time, not just today's headcount. See the IRS guidance below, and confirm with your tax adviser.

Can we change funding methods at renewal?+

Often yes, but timing, underwriting and stop-loss terms vary. We review the options well before the renewal date.

Do you help with employee communication?+

Yes. We can support enrollment meetings and answer questions after enrollment.

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.

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