Group Health Insurance
In a competitive job market, a high-quality group health insurance plan is no longer a perk; it’s a necessity for attracting and retaining the best employees. However, with healthcare costs continuing to rise, many businesses struggle to offer a benefits package that is both attractive to employees and affordable for the company. At HBG Insure, we specialize in designing innovative group health insurance solutions that break this cycle. By leveraging our Plan Design Audit, we create customized medical and employee benefit plans that control costs while delivering the quality care your team deserves.
We start by analyzing your employee demographics and specific needs to design a plan that maximizes value. Whether it’s a traditional fully-insured plan, a high-deductible health plan paired with a Health Savings Account (HSA), or a more flexible PPO, we find the right fit. Our deep relationships with every major carrier in Pennsylvania and New Jersey ensure you get the most competitive rates. More importantly, our strategic approach to plan design often uncovers significant savings that traditional brokers miss, allowing you to offer a superior benefits package without breaking your budget.
Our Group Health Insurance Solutions
✓ Fully-Insured Plans: Traditional group health plans with predictable premiums and comprehensive coverage
✓ High-Deductible Health Plans (HDHP): Cost-effective plans paired with Health Savings Accounts (HSAs) for tax-advantaged savings
✓ PPO Plans: Flexible plans that allow employees to see any provider without referrals
✓ HMO Plans: Cost-effective plans with coordinated care through a primary care physician
✓ Dental and Vision: Comprehensive dental and vision coverage to round out your benefits package
The Plan Design Advantage
Unlike traditional brokers who simply shop for the lowest premium, we analyze your employee demographics, utilization patterns, and benefit preferences to design a plan that delivers maximum value. This strategic approach often reveals opportunities to reduce costs by 20-40% while maintaining or even improving coverage quality. Our clients have saved hundreds of thousands of dollars through our plan design methodology.
Proven Results
Our group health insurance solutions have delivered significant savings for businesses across Pennsylvania and New Jersey. For example, we helped AT Construction achieve 100% Blue Cross coverage at a savings of 35% below their current plan, and Particle Size Technology received 100% Blue Cross coverage at 40% lower rates than their previous broker offered.
Ready to Request a Plan Design Audit?
Contact HBG Insure today to learn how our Plan Design Audit can help you control costs and improve coverage.
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.