Why Choose Our Small Group Health Support in the United States?
Full U.S. health insurance strategy — plan selection, employee enrollment, and ongoing administrative support — with custom pricing and dedicated bilingual assistance.
100% French-speaking support that helps you attract talent, lowers overhead, secures compliance, and removes the burden of acting as your employees' insurance manager.
Smart, Affordable Coverage for Small Teams
Say goodbye to one-size-fits-all big carrier plans. For businesses that prefer a traditional group structure, we utilize private "level-funded" PPO plans designed for healthy small groups. This approach offers nationwide PPO access paired with our "Pro Help" for administrative peace of mind.
(Note: Final group pricing varies significantly by age, gender, and location census.)
The "Essential" Plan
Budget Protection
- Deductible: High (Matches OOPM)
- Out-of-Pocket Max: ~$7,350 - $8,150
- Coinsurance: 80% or 100%
- Network: Nationwide PPO (PHCS)
The "Balanced" Plan
Balanced Coverage
- Deductible: Medium
- Out-of-Pocket Max: ~$5,000 - $6,350
- Coinsurance: 80% or 100%
- Network: Nationwide PPO (PHCS)
The "Premium" Plan
Max Protection
- Deductible: Low
- Out-of-Pocket Max: ~$2,500 - $4,000
- Coinsurance: 80% or 100%
- Network: Nationwide PPO (PHCS)
Another Way to Cover Your Team: The ICHRA Strategy
For small businesses (under 50 employees), a formal Group Plan isn't your only option. We can structure a compliant reimbursement program (ICHRA) that allows you to fund your employees' individual plans tax-free.
✓ Total Budget Control
You define exactly how much to contribute per month (e.g., $300/employee). You never face unexpected group rate hikes at renewal.
✓ Double Tax Advantage
Your reimbursements are a 100% tax-deductible business expense, and they are tax-free income for your employees.
✓ Freedom of Choice
Employees aren't stuck with one company plan. They choose the specific PPO or HSA plan that fits their personal doctors and family needs.
✓ Portable Protection
The employee owns their policy. If they leave your company, they keep their coverage, simplifying your off-boarding process.
Group Plan or ICHRA? Stop Guessing.
We model both scenarios for your business so you can compare real costs and tax benefits side-by-side. Whether you choose a private group structure or a reimbursement model, you get one guarantee: No 1-800 numbers. You get a dedicated bilingual account manager. Your employees call us, not you.