Group Health & Dental Insurance
That Works for Your Business

57%

of workers say benefits are a top reason they choose an employer

$9,325

avg. annual premium for single coverage (KFF 2025)

70%+

employee participation typically unlocks group rates

100%

of premiums may be tax-deductible for the employer

Attract & Retain Top Talent

In today's labor market, employees rank health benefits as the #1 most valued non-wage benefit. Offering group coverage gives you an edge over competitors who don't.

Tax Advantages for Employers

Employer-paid premiums are generally 100% tax-deductible as a business expense. Your employees also pay their share pre-tax, reducing everyone's taxable income.

Lower Premiums Than Individual Plans

Group risk pooling spreads costs across all employees, typically delivering 20–40% lower per-person premiums compared to individual market plans.

Healthier, More Productive Team

Employees with consistent health coverage take fewer sick days, address health issues early, and report higher job satisfaction and loyalty.

ACA Compliance Made Easy

Businesses with 50+ full-time equivalent employees are required to offer minimum essential coverage. We ensure your plan meets ACA requirements from day one.

One Broker for Everything

We bundle medical, dental, vision, and supplemental coverage into a single package — one contact, one renewal, one point of accountability.

Preventive, basic, and major dental care. Plans include large in-network dentist networks across Oregon. PPO and DPPO options available.

Annual eye exams, frames, contacts, and lens allowances. Includes access to national optical networks like VSP and EyeMed.

Group term life insurance for employees and their dependents. Guaranteed issue amounts available — no medical underwriting required.

Income protection when employees can't work due to illness or injury. Helps retain your best people through life's unexpected events.

Critical illness, accident, and hospital indemnity plans employees can purchase at group rates. Zero cost to the employer.

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We'll also follow up to answer any questions about group coverage for your business.

Rodney Cummings

Licensed Insurance Broker

NPN #18847712

Based in Oregon, serving clients nationwideIndependent — works with 10+ carriersGroup health, dental, vision & ancillaryAnnual renewal reviews included

In Oregon, you can offer group health with as few as 1 full-time employee (plus yourself as the owner). Plans are available for groups of 1–50 employees under small group rules.

Employers typically contribute 50–100% of the employee's monthly premium. The average employer contributes about $7,000–$8,000 per employee per year for single coverage. Many of those costs are offset by tax deductions and FICA savings.

Yes. Dental and vision can be offered as standalone voluntary benefits, even if you choose not to offer medical coverage. Many small businesses start with dental/vision and add medical later.

Employees can waive coverage if they have other qualifying coverage (e.g. through a spouse's plan). Most carriers require 70% of eligible employees to participate — waivers don't count against you.

From application to first effective date is typically 2–4 weeks. We handle all the paperwork and coordination with the carrier so you don't have to.

We review your plan at renewal — checking if rates are competitive, if better options exist, and if your team's needs have changed. You're never locked into a carrier year over year.