Group Medical Insurance for PA & NJ Businesses
Health insurance costs are skyrocketing across Pennsylvania and New Jersey. Employers in Bucks County, Montgomery County, Chester County, and throughout the Philadelphia metro area are facing 15-20% annual increases. Stop accepting double-digit increases on off-the-shelf plans.
We design customized medical insurance strategies for Pennsylvania and New Jersey employers with up to 250 employees that control costs without sacrificing employee care. Whether you’re in King of Prussia, Bensalem, Cherry Hill, Trenton, or anywhere in the Mid-Atlantic region, we help you take control of your health insurance costs.
Get more data before you renew.
Why Pennsylvania & New Jersey Employers Choose HBG Insure:
- Local Expertise: Deep understanding of PA and NJ insurance markets and carrier relationships
- Regional Network: Access to top carriers serving the Philadelphia metro area and South Jersey
- Proven Results: Hundreds of businesses across Bucks, Montgomery, Chester, Delaware, Burlington, and Camden Counties trust us with their employee benefits
- Personalized Service: We understand the unique challenges facing Mid-Atlantic employers, from seasonal workforce fluctuations to multi-state compliance
THE PROBLEM
The "Renewal Hike Trap"
Most brokers deliver another 15-20% increase. Same carriers, same “off-the-shelf” plans. Choose higher costs or cut benefits.
✗ Reactive Renewals: Scrambling 30 days before expiration
✗ Wasted Premium: Paying for one-size-fits-all coverage
✗ No Strategic Analysis: Missing opportunities to reduce costs through plan design
Plan Design Audit
We analyze employee demographics to build a tailored benefits mix. Optimize design, lower costs, improve care quality.
✓ Tailored Analysis: Specific employee demographics & risks
✓ Optimized Structures: Funding & plan design for efficiency
✓ Clear Comparisons: Before-and-after analysis with real savings
Medical Insurance Options
Group Health Insurance
Traditional fully-insured plans with predictable premiums and comprehensive coverage. We design plans that reflect how employees actually access care.
Learn More →Self-Funded Medical Insurance
Gain control and transparency by funding your own claims. Includes level-funded options for predictable monthly payments with potential premium refunds.
Learn More →Captive Coverages
Take control of your risk with innovative captive insurance solutions. Transform your insurance program from a necessary expense into a strategic asset.
Learn More →Pennsylvania & New Jersey Businesses Trust HBG Insure
These satisfied clients from across Bucks County, Montgomery County, and South Jersey started with a simple, no-obligation plan comparison…
Request a Free Plan Comparison
(24-hour turnaround)
Securely upload your benefit summary and get a customized plan comparison prepared for you within 24 hours.
These satisfied clients started with a simple,
no-obligation Plan Design Audit...
These satisfied clients started with a simple,
no-obligation Plan Design Audit...
What makes Horizon Insure Business Group different from other insurance brokers?
Most insurance brokers focus on shopping rates at renewal. Horizon Insure Business Group takes a plan design approach—reviewing how your current insurance and benefits are structured to identify smarter ways to control costs and improve coverage before renewal decisions are made.
Do you only work with businesses in Pennsylvania and New Jersey?
Our primary focus is serving employers in Pennsylvania and New Jersey. This local focus allows us to provide more tailored guidance and hands-on support for regional regulations, carriers, and employer needs.
What is a Plan Design Audit?
A Plan Design Audit is a structured review of your current insurance and employee benefits program. It identifies cost drivers, coverage gaps, and design opportunities so you can make informed decisions before renewal—without pressure to change brokers.
What size businesses do you typically work with?
No. The Plan Design Audit is informational and educational. Many employers use it to understand their options before deciding whether any changes are needed.
Do I have to switch brokers to get a Plan Design Audit?
We primarily work with small to mid-sized employers, typically ranging from 25 to 250 employees, who want more control over insurance costs and benefits strategy.