Keep your workforce healthy and covered. Our group health plans are designed to suit your business size and budget, with personalized support every step of the way.
Whether you’re a small team or a large enterprise, we offer group health insurance solutions to fit your business needs. We partner with top providers to bring you competitive, reliable, and flexible health coverage options.
Running a small or mid-sized business doesn’t mean compromising on employee health benefits. We help you access affordable, scalable group health insurance plans that grow with your company. Whether you’re just starting out or expanding your team, we’ll guide you to keep your staff covered and cared for.
Large companies need robust, customizable health insurance plans that support a diverse workforce. We specialize in helping corporations streamline employee benefits through reliable group health coverage, ensuring compliance, cost management, and high employee satisfaction.
We’ll help you compare and choose the best coverage for your team.
Group health insurance is one of the most valued employee benefits—and one of the smartest investments your business can make. It offers health coverage to your team through a single policy, typically at lower rates than individual plans.
An ICHRA (Individual Coverage Health Reimbursement Arrangement) is a modern, flexible solution that allows employers to reimburse employees tax-free for their individual health insurance premiums and qualified medical expenses.
Self-funded (or self-insured) health insurance is a powerful option for businesses that want more control over their healthcare spending. Instead of paying fixed premiums to an insurance carrier, the employer pays for employees’ healthcare claims directly
Differences between Group Health Plans, ICHRA, and Self-Funded Plans, focusing on Coverage, Employer Cost, and Tax Advantages:
| FEATURE | Group Health Plan | ICHRA (Individual Coverage HRA) | Self-Funded Plan |
|---|---|---|---|
|
Group Health |
One group policy for all employees. Offers standard plans (HMO, PPO, etc.) with optional add-ons like dental & vision. |
Employees choose their own individual health plans from the marketplace or private carriers. |
Employer customizes benefits and pays for employees’ claims directly (within plan limits). |
|
Employer Cost |
Predictable monthly premiums (can be high, especially as team grows). |
Employer sets a fixed monthly reimbursement amount per employee group (very flexible). |
Costs can vary based on actual claims; savings possible but risk is higher. Stop-loss insurance recommended. |
|
Tax Advantage |
Employer premiums are tax-deductible. Employee contributions are often pre-tax. |
Employer reimbursements are tax-free. Employees may still qualify for subsidies if plan is unaffordable. |
Employer-funded claims are tax-deductible. Employee contributions (if any) can be pre-tax. |
|
Employee Flexibility |
Lower employees choose from limited group options. |
High employees select the individual plan that works best for them. |
Moderate employees get access to the employer’s customized plan and selected network. |
|
Best For |
Employers who want simple, traditional l coverage with predictable costs. |
Employers of all sizes who want flexibility and cost control without managing a group policy. |
Medium to large businesses seeking long-term savings, customization, and transparency. |
Call or visit us today for a free review —we’ll help you find the right plan and enroll with confidence.
Have questions? Need help enrolling?
At Protect Plus Insurance & Financial Services, we guide you through the entire process, free of charge, to help you make the best choice for your health and budget.
contact@ppifpro.com
4837 North Dixie Hwy,
Pompano Beach, FL 33064
(561) 672-9548
(954) 482-0226
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