How a Business Health Insurance Broker Can Help Your Small Business

As a small business owner, you want to offer great benefits like health insurance to attract and retain your team. But the path to finding the right plan can feel complicated and time-consuming. That’s where a health insurance broker for small business becomes an essential partner. Think of them as an expert on your side. Business health insurance brokers do the heavy lifting—comparing plans and carriers to find options that fit your team and your budget. They help you make sense of it all, so you can make a confident decision without spending hours on research.

Key Takeaways

Find Your Perfect Plan Match: A health insurance broker acts as your personal guide, sifting through options to find coverage that truly fits your small business’s specific needs and budget.
Get Expert Help Without Extra Fees: Brokers typically earn commissions from insurance carriers, meaning you get their professional advice and plan-finding services without paying them a direct fee.
Choose a Long-Term Benefits Partner: Look for a licensed broker with small business experience who will offer ongoing support, from enrollment assistance to annual plan reviews.

Why Your Small Business Needs a Health Insurance Broker

Figuring out health insurance for your small business can feel like a pretty big item on your to-do list, but the good news is you absolutely don’t have to tackle it all by yourself. A health insurance broker can be a fantastic partner in this process, helping you make sense of all the options and choose a plan that truly fits your company’s needs and, just as importantly, your budget. Think of this guide as your friendly starting point to understanding exactly what brokers do, how they can support your business, and how to find a great one. We’ll walk through it together, step by step, so you can feel confident about the choices you make for your team’s health and well-being. Offering health benefits is a significant step, and having the right guidance can make all the difference in getting it right without adding extra stress to your plate.

Why Offer Health Insurance in the First Place?

Before we get into the “how,” it’s worth taking a moment to focus on the “why.” Offering health insurance isn’t just another box to check on your list of business expenses. It’s a foundational decision that can shape your company’s culture, stability, and success. Providing health benefits sends a clear message to your team that you value their well-being, which can have a ripple effect across your entire organization. From attracting top talent in a competitive market to ensuring your team feels secure and supported, the reasons to offer health insurance are both practical and personal. It’s an investment in your people, and by extension, an investment in the future of your business.

Improved Productivity and Employee Well-being

Offering a quality health insurance plan is one of the most effective ways to attract and keep great employees. In a competitive job market, strong benefits can be the deciding factor for a talented candidate. Beyond recruitment, providing health coverage directly supports your current team’s well-being. When employees have access to preventative care and can afford to see a doctor when they’re sick, they are healthier, miss fewer workdays, and are more focused on the job. This creates a more stable and productive work environment for everyone. It shows you care about your team as people, which fosters loyalty and a positive company culture.

Legal Compliance and Avoiding Fines

Depending on the size of your business, providing health insurance may be a legal requirement. The Affordable Care Act (ACA) includes an employer mandate that requires businesses with 50 or more full-time equivalent employees to offer a certain level of health coverage or face potential penalties. Understanding these rules is essential for avoiding costly fines from the IRS. Even if your business is smaller and not subject to the mandate, staying informed about federal and state regulations is a smart move. A broker can help you understand your specific obligations, ensuring your business remains fully compliant with all current laws.

Protecting Employees from Financial Hardship

A sudden illness or injury can be stressful enough without the added worry of overwhelming medical bills. Group health insurance provides a critical safety net, protecting your employees from potentially devastating financial hardship. For many people, a single unexpected hospital stay could lead to significant debt. By offering coverage, you provide your team with peace of mind, knowing they have a plan to help cover the costs of major medical events. This is a powerful benefit that demonstrates your commitment to their overall security and well-being, building a foundation of trust and showing that you support them both inside and outside the workplace.

What Does a Health Insurance Broker Actually Do?

If you’re at the stage where you’re thinking about offering health benefits, or perhaps looking to improve what you already have, a health insurance broker is often a great first call. These are professionals who live and breathe health insurance, and their expertise can simplify what can otherwise seem like a very complicated process. They’re there to work for you, helping you find the best path forward.

What Exactly is a Health Insurance Broker? Think of a health insurance broker as your licensed, independent guide in the sometimes-confusing world of health coverage for your business. They aren’t tied to just one insurance company, which is a key difference. Their main role is to act as a bridge, connecting small and medium-sized businesses like yours with the health plan carriers that offer the most suitable options. Essentially, they work on your behalf to find appropriate health coverage and make the process smoother.
Key Services Brokers Offer Your Business Brokers bring a lot of valuable services to the table. They’ll start by helping you understand the variety of plans available from different insurance companies, allowing you to compare them effectively. More importantly, they take the time to really understand your business’s specific requirements, your budget, and what your employees need. From there, they help you select a health insurance plan that’s a good fit. Many also assist with the enrollment process, which can save you a lot of administrative headaches.

Assistance for Self-Employed Individuals and LLCs

If you’re self-employed or run a small LLC, you might think group health plans are out of reach, but that’s not the case. Brokers are a great resource for even the smallest businesses, including sole proprietors. They specialize in services that help self-employed people and small companies find health insurance. A good broker can present you with free quotes from various carriers, allowing you to compare plans side-by-side without having to do all the legwork yourself. This saves you a significant amount of time and helps you find a plan that fits your unique business structure and budget, ensuring you and any employees you may have can get the coverage you need.

Understanding a Broker’s Limitations

While a broker is an invaluable ally, it’s also helpful to know what falls outside their scope. A key benefit is that an insurance broker works for you, the customer, not for a single insurance company. Their job is to show you a wide range of plans. However, most brokers are generalists. They are experts on insurance plans, but they generally aren’t specialists in specific medical conditions. If you or an employee has a rare or complex health issue, a broker can help find plans with comprehensive coverage, but they may not know the intricate details of how each plan covers that specific condition. It’s best to see them as your insurance expert, while you remain the expert on your team’s specific health needs.

The Benefits of Partnering with a Broker

A good health insurance broker does more than just present you with a list of plans; they become an advocate for your business’s health coverage needs, working to ensure you get a solution that genuinely fits your unique circumstances and supports your employees.

Get Health Plans Matched to Your Business Needs One of the biggest advantages of working with a broker is their ability to find or help create tailored solutions. They don’t rely on a one-size-fits-all approach because they know every small business is different. A good broker will take the time to understand your budget, the number of employees you have, their general health needs, and the types of coverage that are most important to your team. This means you get health insurance options truly designed for your specific situation.
Your Advocate for Ongoing Support A broker’s involvement often doesn’t stop once you’ve signed up for a plan. Many act as your ongoing advocate and resource throughout the year. If you have questions about your coverage, encounter issues with claims, or need assistance when it’s time for renewal, your broker can be an invaluable first point of contact. Unlike agents who might represent a single insurer, brokers can offer a broader perspective and dedicated support for your benefits program.

Leveraging a Broker’s Local Knowledge

Health insurance isn’t a one-size-fits-all product. Plans and provider networks can change dramatically from one state, or even one county, to the next. A broker with deep roots in your community understands this local healthcare landscape in a way a national call center simply can’t. They are familiar with the specific insurance carriers in your state and the quality of their networks. This local expertise is incredibly valuable because they help you understand the many choices available, ensuring the plans you consider are truly practical for your employees. They know which local hospitals have strong reputations and which doctor groups are popular, adding a layer of insight that goes beyond a price comparison and helps you make a more informed decision for your team.

Broker vs. Going Direct: Which Path is Best?

When it comes to arranging health insurance for your small business, you generally have a few different avenues you can explore. Understanding the key differences between these options can help you decide if working with a broker is the best approach for your company.

Brokers vs. PEOs: Understanding the Difference You might come across Professional Employer Organizations (PEOs) when looking into health insurance. PEOs can offer access to group health plans, often by entering into a co-employment relationship with your staff, and they typically handle a wider range of HR functions like payroll and compliance. Brokers, on the other hand, specialize specifically in helping you find, compare, and enroll in health insurance plans. Their involvement is usually centered on the insurance selection and enrollment process, though many provide continued support.
Brokers vs. Going Directly to Insurers: Pros and Cons It’s certainly possible to approach insurance companies directly. However, this means you’ll be responsible for all the research, comparing different plans from different insurers, and deciphering the fine print on your own, which can be incredibly time-consuming. An insurer will also, naturally, only present their own products. A broker, especially one who is registered with the SHOP Marketplace for small businesses, offers a much broader view of what’s available, potentially saving you significant time and helping you find a more suitable or cost-effective plan.
Why Partner with a Broker? Partnering with a health insurance broker means you have an experienced professional dedicated to your corner. They understand the complexities of the insurance market, from the nuances of different plan designs to the ever-changing regulatory landscape. This expertise can help you avoid common mistakes, ensure your plan is compliant, and ultimately find coverage that truly benefits both your business and your employees, often without any extra direct cost for their services.

When Going Directly to an Insurer Makes Sense

While a broker offers a wide-angle view of the market, there are situations where going directly to an insurance carrier might be the right move for you. If you have a strong, pre-existing relationship with a specific insurance company or if you have the time and enjoy doing in-depth research, this path could be a good fit. Handling the process yourself means you’ll be responsible for comparing different plans, reading all the fine print, and managing the application on your own. Keep in mind that an insurer will, of course, only show you their own products. This approach works best when you’re confident in the carrier you want to work with and feel comfortable assessing their plan options without outside guidance.

Alternatives if Cost Isn’t Your Main Concern

If your primary goal is to offer the most comprehensive benefits possible and budget is less of a constraint, you might feel you don’t need a broker to find the lowest-cost option. In this case, you could focus your search on higher-tier plans, often called “Gold” or “Platinum” plans. These plan categories typically come with higher monthly premiums but cover a larger portion of medical costs, which can be a very attractive perk for your employees. While you can certainly research these top-tier plans on your own, a broker can still add value by helping you compare the nuances between different high-end plans and managing the administrative side of enrollment and renewal.

How Do Health Insurance Brokers Get Paid?

It’s completely understandable to want to know how brokers are paid and whether using one will impact your budget. For any small business owner, keeping an eye on the bottom line is crucial, so let’s clarify how broker compensation typically works.

How Do Brokers Get Paid? It’s a common question: if I use a broker, how much extra will it cost me? The good news is, generally, you don’t pay a separate fee directly to the health insurance broker for their services in helping you find a plan. Brokers are typically compensated through commissions paid by the insurance company whose plan you ultimately choose. This commission is usually already built into the premium price of the insurance policy.
Making Sense of Broker Commissions Broker commissions are a standard part of how the insurance industry operates. The specific amount can vary between insurance carriers and plan types, but regulations often promote transparency in these arrangements. You should feel comfortable asking a potential broker how they are compensated. Knowing this helps ensure their recommendations are genuinely focused on your business’s best interests, not just on which plan might offer them a slightly higher commission.
Can a Broker Actually Save You Money? While brokers receive commissions from insurers, they can often save your business money in the bigger picture. They achieve this by expertly navigating the market to find the most cost-effective plan that still meets your employees’ needs, helping you avoid overpaying for coverage you don’t need or, conversely, preventing costly gaps in coverage. Plus, the significant amount of time and administrative effort they save you is also a valuable financial benefit. Using a SHOP-registered agent or broker typically doesn’t add to your direct plan costs.

Clarifying the Cost: Does Using a Broker Change Your Premium?

This is a common and completely valid question. The short answer is no—the price you pay for a health insurance plan is the same whether you use a broker or buy it directly from the insurance company. Insurance carriers build the cost of broker commissions directly into their premium rates, so you aren’t charged an extra fee for a broker’s help. Think of it this way: you get the benefit of their expertise, personalized plan comparisons, and ongoing support without any additional out-of-pocket cost. This structure allows you to access professional guidance to find the best possible coverage for your team, all for the same price as doing the extensive research and legwork on your own.

What Makes a Great Small Business Health Plan?

Once you and your broker start diving into specific health plan options, there are several key features you’ll want to carefully consider. These elements will determine how well the plan serves your employees and how manageable the costs will be for everyone involved.

Weighing Your Coverage Options and Flexibility When you look at different plans, think about how flexible they are and whether they truly cover what your employees need. Small businesses often require personalized insurance solutions that align with their budget and the demographics of their workforce. Pay close attention to details like deductibles (what employees pay before coverage kicks in), co-pays (fixed amounts for services), and out-of-pocket maximums (the most an employee would pay in a year), as these directly affect your employees’ healthcare expenses.
Checking Network Size and Accessibility A health plan’s value is closely tied to its network of doctors, specialists, and hospitals. It’s important to ensure that the providers your employees currently use, or would prefer to use, are included in the plan’s network. Also, consider the geographic reach of the network, especially if you have employees working remotely or in different areas. Understanding the basics of plan types like HMO (Health Maintenance Organization), PPO (Preferred Provider Organization), or EPO (Exclusive Provider Organization) will help you assess network accessibility and flexibility.
Exploring Wellness Programs and Preventive Care Many modern health plans now include wellness programs and place a strong emphasis on preventive care services, which can lead to a healthier, more productive workforce and potentially lower overall healthcare costs in the long run. Ask your broker about these types of benefits—they might include things like discounts on gym memberships, smoking cessation programs, or coverage for routine health screenings. These can be a fantastic perk for your employees and a smart investment in their long-term health.
Understanding Prescription Drug Coverage The cost of prescription medications can be a significant concern for many individuals. It’s crucial to carefully review each plan’s formulary, which is the list of covered drugs, and understand the co-pays or coinsurance amounts for different tiers of medication (e.g., generic, preferred brand, non-preferred brand). A knowledgeable broker can help you effectively compare prescription drug coverage across various plans to avoid unexpected high costs for your employees when they need medication.

Top Health Insurance Carriers for Small Businesses

When you begin your search for small business health insurance, you’ll likely encounter several well-known and established insurance providers. While a good broker is invaluable for helping you compare specific plans from a wide array of companies, it’s helpful to be familiar with some of the major names that frequently offer plans suitable for small businesses. These often include:

UnitedHealthcare
Blue Cross Blue Shield (Note: Blue Cross Blue Shield is often a collection of independent, locally operated companies, so you might see names like Anthem Blue Cross Blue Shield, or Blue Cross Blue Shield of a specific state.)
Kaiser Permanente (Particularly known for its integrated care model where they are both the insurer and the provider, very strong in certain regions like California.)
Aetna (Now a part of CVS Health, offering a broad portfolio of health insurance products.)
Cigna
Humana

These providers typically offer a variety of plan types, including PPO, HMO, and sometimes EPO or POS plans, designed to meet the diverse needs of small businesses. Your broker will be instrumental in helping you determine which provider and specific plan type best aligns with your company’s unique requirements, employee demographics, geographic location, and, of course, your budget. The “best” provider isn’t a universal answer; it truly varies based on your specific circumstances, which is why a broker’s tailored advice is so important.

How to Find the Right Health Insurance Broker

Selecting the right health insurance broker is just as important, if not more so, than selecting the actual health plan. You’re looking for a partner who is not only knowledgeable and experienced but also trustworthy and genuinely dedicated to serving your small business’s best interests.

What Qualifications Should Your Broker Have? First things first, ensure any broker you consider is properly licensed in your state to sell health insurance – this is non-negotiable. Beyond that, look for experience, particularly experience working with other small businesses similar to yours in size or industry. They should have a solid understanding of the unique challenges and opportunities small employers face when it comes to offering employee health benefits and be thoroughly up-to-date on current healthcare laws and regulations.
Smart Questions to Ask Potential Brokers Don’t hesitate to interview a few potential brokers before making a decision. Prepare some thoughtful questions. For instance, ask about their experience with businesses of your size and in your specific industry. Inquire about how many different insurance carriers they typically work with, what their process is for analyzing your company’s needs and recommending suitable plans, and what level of ongoing support they provide after you’ve enrolled. Understanding their client service philosophy is key to a successful long-term relationship.
How to Assess a Broker’s Experience and Expertise Look for evidence of a proven track record. If possible, ask for references from other small business clients they’ve worked with, or check for online reviews and testimonials. A good broker should be able to clearly explain complex insurance terminology in plain, easy-to-understand language. They should also demonstrate a comprehensive understanding of current healthcare laws, market trends, and the various products available. Just as importantly, assess their listening skills – do they seem genuinely interested in understanding your unique needs and concerns?

Using Government Programs and Resources

The federal government offers specific programs designed to help small businesses get health coverage. The Small Business Health Options Program (SHOP) is a key resource, and it works directly with licensed professionals to make the process easier for you. Small businesses can get assistance from agents or brokers who are registered with SHOP. These individuals are trained to help with every step, from figuring out if your business is eligible for SHOP insurance to comparing plans and managing your coverage after you enroll. This system ensures you’re working with someone who understands the specific rules and options available through the marketplace.

Finding a Broker Through the SHOP Marketplace

If you want to connect with a professional who specializes in government-sponsored small business plans, the official HealthCare.gov website is the best place to start. The site has a dedicated tool to help you locate a qualified expert in your area. To find a SHOP-registered agent or broker, you can visit the website, enter your ZIP code, and then apply the filter for “small business coverage.” This will generate a list of certified professionals nearby, giving you a great starting point for finding a knowledgeable partner to help you explore your options.

Contacting the SHOP Call Center for Assistance

Sometimes, you just need to talk through a question with a real person. If you have specific questions about how the SHOP marketplace works or need direct assistance, you can always reach out to their dedicated support line. You can call the SHOP Call Center at 1-800-706-7893 (TTY: 1-888-201-6445). This is a helpful resource for getting quick, reliable answers straight from the source, whether you’re just starting to look at plans or have a question about your existing coverage through the program.

Working With a Broker: What to Expect

Partnering with a health insurance broker should, ideally, make the process of securing and managing health benefits much easier and more efficient for you. Here’s a general idea of what you can typically expect when you decide to work with one.

Kicking Things Off: Your First Consultation Your journey with a health insurance broker usually begins with an initial consultation. This is their opportunity to get to know your business – your industry, the number of employees you have, your budget for benefits, and any specific health coverage goals or particular concerns you might have. It’s very much a two-way conversation, so come prepared with your own questions for them as well. This initial meeting sets the foundation for finding the right solutions.
Choosing and Customizing Your Best Plan After thoroughly understanding your business’s needs and objectives, the broker will do the legwork of researching and identifying suitable plan options from various insurance carriers. They will then present these options to you, clearly explaining the pros and cons of each one, including differences in coverage levels, provider networks, and, of course, costs. A key part of their role is to help you customize a benefits package that makes the most sense for your team and your budget.
Smooth Sailing: Help with Employee Enrollment Once you’ve made a decision and selected a plan, a good broker will provide significant assistance with the employee enrollment process. This can involve preparing clear and easy-to-understand educational materials about the new plan, perhaps holding informational meetings (either online or in-person) for your staff, and being available to answer any questions your employees might have. They also help ensure all the necessary enrollment paperwork is completed accurately and submitted on time.
Long-Term Partnership: Ongoing Support and Plan Help The relationship with your broker ideally doesn’t conclude once enrollment is complete. They should remain a valuable resource for ongoing support throughout the plan year. This can include helping to resolve any claims issues that might arise, assisting with adding new hires to the plan or making changes due to qualifying life events (like marriage or a new baby), and, very importantly, guiding you through the annual renewal process to ensure your plan continues to meet your business’s evolving needs.

Can You Keep Your Current Insurance Agent?

If you already have an insurance agent you trust for other business needs, you might be wondering if you can stick with them for your health insurance. The short answer is yes, you likely can, as long as they are registered to work with the Small Business Health Options Program (SHOP). This is great news because it means you can continue your relationship with a professional who already understands your business and its unique needs. You won’t have to start from scratch explaining your company’s situation. This flexibility allows you to access a wide range of health insurance options while working with a familiar face.

Working with a SHOP-registered agent or broker also provides expert guidance without adding to your expenses. Brokers typically receive their commissions from the insurance carriers, so their services come at no direct cost to you. This setup allows you to benefit from their professional knowledge as you sort through the complexities of health insurance. A great agent won’t just help you pick a plan; they’ll act as your advocate throughout the year. They can assist with enrollment, answer coverage questions, and support you during the renewal process, making sure your health benefits continue to serve your business well.

Solving Common Health Insurance Challenges

Small businesses often encounter a specific set of challenges when they decide to offer health insurance to their employees. A knowledgeable and proactive health insurance broker can be instrumental in helping you anticipate, understand, and effectively address these common hurdles.

Spotting Common Roadblocks for Small Businesses Cost is almost always the primary concern, as providing health insurance can represent a significant financial commitment for smaller companies. Beyond the expense, simply making sense of the complex array of plan options and insurance jargon can be overwhelming. Additionally, managing the administrative burden of a group health plan and meeting any minimum participation requirements set by insurance carriers can all feel like daunting tasks for busy entrepreneurs who are often juggling many different responsibilities.
How Brokers Help You Clear These Hurdles This is precisely where a skilled health insurance broker demonstrates their true value. They can help you find more affordable coverage options that you might not discover on your own, leveraging their deep market knowledge and relationships with various carriers. They work to simplify the complex choices, translating insurance-speak into plain English, and can often take on much of the administrative legwork involved in setting up and maintaining a plan. Their expertise helps you overcome these common challenges much more easily and efficiently.
Smart Strategies for Affordable Coverage Brokers are well-versed in various strategies that can help make health coverage more affordable for your small business. This might involve exploring different types of plans (for example, HMOs often have lower premiums than PPOs, though with potentially more network restrictions). They might also discuss options like high-deductible health plans (HDHPs), which can be paired with Health Savings Accounts (HSAs) to offer tax advantages. In some areas, group purchasing arrangements or association health plans might be an option. Furthermore, they can help you understand and potentially access any available tax credits for small business health insurance that could significantly lower your net costs.

Meeting Eligibility Rules for Very Small Businesses

If your business is on the smaller side—maybe it’s just you and one or two other employees—you might worry about whether you even qualify for a group health plan. Insurance carriers often have specific rules about the number of employees who must enroll, and these requirements can seem confusing. This is where a broker becomes a key resource. They specialize in the details of eligibility and can quickly determine which plans your business can access. They understand the complexities of the insurance market, from carrier-specific participation rules to the regulatory landscape. A good broker identifies options that fit your company’s size and structure, ensuring you meet all the necessary criteria from the start and helping you access any tax credits you might qualify for.

How to Maximize Your Relationship with Your Broker

Once you’ve selected a health insurance broker and have a plan in place for your small business, there are several proactive steps you can take to ensure you continue to get the best possible value from this important professional relationship.

Keep Your Plan Current with Regular Reviews It’s wise not to adopt a “set it and forget it” mentality with your company’s health plan. Your business will inevitably change over time, your employees’ needs and demographics may evolve, and the healthcare market itself is constantly shifting. Make it a point to schedule regular reviews with your broker, at least annually before your plan’s renewal date. This allows you to discuss whether your current coverage is still the best fit and to explore any new market offerings or regulatory changes that might influence your decisions for the upcoming year.
Tap Into Your Broker’s Resources and Tools Many health insurance brokers provide their clients with access to a range of helpful resources and tools that go beyond just the initial plan selection. This might include online portals for easier plan administration, clear and concise educational materials about benefits that you can share with your employees, or even digital tools that can help your team compare doctors, estimate potential healthcare costs for certain procedures, or find in-network providers. Be sure to ask your broker what resources they offer and encourage your team to use them.
Helping Your Team with Health Insurance Questions Encourage your employees to view the broker (or their support team) as a resource, especially if your broker offers direct employee assistance. A good broker can often help employees better understand their benefits, navigate claim issues if they arise, or get clarification on coverage details. This can take a significant administrative load off your HR department (or you, if you’re the one handling HR tasks) and also empowers your employees to make the most of their health plan and feel more confident in their healthcare choices.

Frequently Asked Questions

Will using a broker cost my business extra money upfront? Generally, no, you won’t pay a separate fee directly to a health insurance broker for their help in finding a plan. Brokers usually receive a commission from the insurance company whose plan you choose, and this is typically already factored into the premium. So, their expertise comes without an extra line item on your budget.

What’s the real advantage of using a broker instead of just contacting insurance companies on my own? Think of it this way: a broker does all the heavy lifting for you. Instead of you spending hours researching different insurers and trying to compare complex plans, a broker brings all those options to you, already analyzed. They have a broad view of the market and can often find plans or pricing you might not discover by yourself, saving you a ton of time and potentially finding a better fit.

How can I be sure a broker is recommending plans that are best for my company, not just for their commission? That’s a fair question! A reputable broker prioritizes your business’s needs because their success is built on long-term relationships and good referrals. Don’t hesitate to ask them how they’re compensated and how they ensure their recommendations are unbiased. Look for transparency and a broker who takes the time to truly understand your specific situation before suggesting any plans.

My business only has a handful of employees. Is it still worthwhile to work with a health insurance broker? Absolutely! Brokers work with businesses of all sizes, including very small ones. Navigating health insurance can be just as complex, if not more so, for a small team. A broker can help you understand the options available for your specific size, ensure you meet any requirements, and find a plan that makes sense for your budget and your employees.

After my company is enrolled in a plan, what kind of help can I expect from my broker? A good broker doesn’t just disappear after you sign up. They should be your go-to resource throughout the year. This means they can help with things like onboarding new employees onto the plan, assisting with any claim questions that pop up, and guiding you through the renewal process each year to make sure your coverage continues to meet your needs.

Your Guide to Health Insurance Brokers for Small Businesses – The Big 65 – Medicare Insurance Services