Health insurance is the benefit employees care about most — and the one small business owners dread shopping for. Ken's two decades inside CVS Health and Aetna mean you have someone who actually speaks the language sitting on your side of the table.
Rounding out the package? Pair health with Group Benefits → — life, disability, dental, and vision.
📅 Book Time with the Agency →Small group health in Connecticut generally covers employers with 1–50 eligible employees. The market has more options than most owners realize — and the differences between them are exactly where businesses overpay. Ken's job is to run the comparison, translate the fine print, and manage the renewal fight every year.
Rules and rates vary by carrier and change annually — we'll confirm current options for your group.
The traditional group plan isn't the only path anymore. The right structure depends on your team's size, health, and geography.
The classic approach: pick a carrier and plan tier, the employer contributes to premiums, everyone gets the same menu. Predictable, simple, and still right for many groups — especially when the census skews older or has known health needs.
A hybrid: you pay a level monthly amount, and if your group has a healthy year, you may get money back. Often meaningfully cheaper for younger, healthier teams — with stop-loss protection so a bad year can't blow up your budget.
Instead of buying one group plan, you give each employee a fixed tax-advantaged allowance and they choose their own individual plan. Great for distributed teams, part-timers, or businesses that want budget certainty above all.
Some Connecticut trade associations and chambers offer member health programs that can beat open-market rates for eligible businesses. Worth checking as part of any comparison — Ken knows which ones are real value and which are marketing.
Send us your headcount and we'll come back with a real comparison — carriers, tiers, and monthly costs.