Affordable Group Dental & Vision Benefits for Employees
Unlock affordable group dental and vision benefits for employees. Learn how these cost-effective options enhance well-being and workforce satisfaction today.
Customized Group Health Insurance Solutions for Modern Businesses
Comprehensive group medical and employee benefit solutions designed to reduce costs, simplify administration, and enhance employee satisfaction.
At Amerus Insurance, we help businesses design tailored group insurance programs—not one-size-fits-all plans—while delivering a seamless enrollment experience and exceptional ongoing support.
- ✔Customized Group Medical Plans
- ✔Turnkey Enrollment Platforms
- ✔Competitive Carrier Pricing
- ✔In-Person & Virtual Enrollments
Top Health Insurance Companies for Employers We Compare
We partner with leading health insurance carriers to help employers find the best coverage at affordable rates. Compare trusted companies side-by-side and choose what fits your needs.
Cigna
Comprehensive coverage with access to nationwide providers and flexible plans for employers.
Starting at $200/month
BlueCross BlueShield
Trusted insurer offering strong network coverage and specialized senior health plans.
Starting at $210/month
United Healthcare
Large network with comprehensive Medicare Advantage and supplemental plans for employers.
Starting at $195/month
Aetna
Affordable plans with preventative care benefits and wide provider access for employers.
Starting at $205/month
Humana
Popular Medicare Advantage plans and wellness programs tailored for employers.
Starting at $190/month
Trustmark
Offers group and supplemental health plans with flexible coverage for older adults.
Starting at $185/month
Nationwide
Provides senior-friendly health and supplemental coverage with customizable options.
Starting at $200/month
United Concordia
Specializes in dental coverage for employers with affordable preventive and restorative options.
Starting at $55/month
NBBA
Offers group and supplemental health benefits tailored for senior employees and retirees.
Starting at $180/month
Average Group Health Insurance Costs
Group health insurance costs depend on company size, employee demographics, and coverage levels. Here’s a general breakdown of what employers can expect to pay.
Small Group (1–10 Employees)
$400–$700/employee/mo
Ideal for small businesses offering basic to mid-level coverage to attract and retain talent.
Mid-Size (10–50 Employees)
$350–$650/employee/mo
More flexibility in plan design with access to better pricing through group pooling.
Large Group (50+ Employees)
$300–$600/employee/mo
Lower per-employee costs with customizable plans, networks, and employer contribution strategies.
What Affects Group Health Insurance Costs?
Location
Premiums vary by state and local healthcare costs. Employer location plays a major role in pricing.
Employee Demographics
Age, health conditions, and participation rates of employees impact overall group premiums.
Plan Design
Deductibles, provider networks, and employer contribution levels all affect total costs.
Get a customized group health insurance quote tailored to your business and employees.
Request a Free Quote
Group Insurance Should Work for Your Business — Not Against It
Rising healthcare costs, complex compliance requirements, and administrative burdens make group insurance one of the most challenging aspects of running a business.
Our insurance brokerage simplifies the process by designing strategic, cost-effective group insurance solutions that align with your workforce, budget, and long-term goals.
Group Medical Insurance Solutions
Group medical insurance is the foundation of any competitive benefits package. We help employers evaluate and implement plans that balance cost control, coverage quality, and employee choice.
Plan Options May Include:
- ✔PPO, HMO, and EPO plans
- ✔Level-funded and alternative funding options
- ✔Traditional fully insured plans
- ✔Employer-contribution strategies
- ✔Custom network solutions
Every plan is built around the unique needs of your business and workforce.
Complete Employee Benefit Solutions
In addition to group medical, we offer a full suite of ancillary and supplemental benefits to strengthen your overall offering.
Available Coverages:
- ✔Group Dental & Vision
- ✔Short-Term Disability (STD)
- ✔Long-Term Disability (LTD)
- ✔Group Life Insurance
- ✔Voluntary & Supplemental Benefits
These benefits enhance employee satisfaction while remaining cost-efficient for employers.
Branded Benefit Guides
Branded Employee Benefit Guides
Customized to your company
Clear, easy-to-understand explanations
Provided at no cost
Employees understand their benefits better, reducing confusion and HR inquiries.
Why Businesses Choose Amerus Insurance
Independent & Strategic Approach
We are not tied to a single carrier. This allows us to evaluate multiple options and build a strategy that fits your business—not a prepackaged plan.
Cost-Saving Solutions
We routinely help businesses save thousands of dollars annually while maintaining or improving benefit quality.
Personalized, Hands-On Service
We offer in-person and virtual enrollments, direct employee support, and dedicated account management.
Ongoing Partnership
We stay available to help with plan questions and changes as your pet grows.
We Work With the Nation’s Most Trusted Group Insurance Providers
Amerus Insurance Group partners with a broad network of A-rated carriers to provide businesses with tailored group insurance solutions that fit their workforce needs.
Our independent brokerage model means we advocate for your company — not the insurance carriers.
Expert Insight
Based on our experience helping organizations of all sizes, offering comprehensive group benefits — including health, dental, and life insurance — can improve employee satisfaction and retention. Companies that compare multiple carriers and plan options often save up to 20% on premiums while enhancing coverage.
According to the Insurance Information Institute and the National Association of Insurance Commissioners , group insurance requirements and costs can vary by industry, state, and provider. Partnering with an experienced brokerage ensures your company selects the best coverage while managing costs effectively.
Independent Group Benefits Advisory Firm
Serving Employers Nationwide
Multiple Top-Rated Carriers
Education-First, Service-Driven
Finding the right group health insurance for your employees can be challenging with so many options available. Businesses often look for plans that provide comprehensive medical coverage, preventive care, and flexible benefits while staying within budget. We partner with leading insurers to offer group health plans that fit your company’s needs, whether you are a small business or a large organization. From understanding premiums and deductibles to comparing network providers, we make it simple to provide your team with reliable healthcare coverage that supports their well-being and productivity.
Compare Group Insurance Companies and Find the Best Rates
- ✔Review current coverage
- ✔Identify cost-saving opportunities
- ✔Explore innovative benefit options
- ✔No obligation consultation
Enrollment & Onboarding Process
Enrolling your employees in a group health insurance plan is a straightforward process when broken into clear steps.
First, choose the right plan for your business. This typically involves comparing coverage options, provider networks, and costs. Many employers work with a licensed agent or use marketplaces like Healthcare.gov to explore qualified plans that meet both budget and employee needs.
Next, gather essential employee information. This includes full names, dates of birth, addresses, and dependent details for those who want family coverage. Accurate data ensures a smooth enrollment and prevents delays.
Once your plan is selected, set an enrollment period. This is the window of time employees have to review options and submit their elections. During this phase, it’s important to clearly communicate plan details, costs, and deadlines so employees can make informed decisions.
After employees submit their selections, you’ll complete the enrollment through your insurance carrier or benefits platform. Most providers offer online portals that simplify this step and allow you to track who has enrolled.
Finally, submit payment and confirm coverage start dates. Coverage typically begins on the first day of the following month, depending on your provider and when enrollment is finalized.
According to Centers for Medicare & Medicaid Services, maintaining accurate records and clear communication during enrollment helps ensure compliance and reduces administrative issues.
Every plan is built around the unique needs of your business and workforce.
Frequently Asked Insurance Questions
No. We work with businesses of all sizes, including small startups, mid-sized companies, and rapidly growing organizations. Our goal is to provide insurance solutions that scale with your needs regardless of company size or industry type. Many smaller businesses benefit from working with brokers because they can help compare coverage options and find affordable policies without sacrificing protection. Whether you are a solo operation or a larger enterprise, insurance solutions can be customized to match your specific risk exposure and budget requirements.
Yes. We actively work with employers to help manage and reduce renewal increases. This includes reviewing plan performance, analyzing claims data, exploring alternative funding strategies, and comparing multiple carriers to ensure competitive pricing. We may also recommend plan design adjustments, wellness initiatives, or cost-sharing strategies that help control long-term expenses while maintaining strong employee benefits.
Yes. We provide full enrollment support for your team, including open enrollment meetings, one-on-one employee assistance, and digital enrollment platforms when needed. Our goal is to make the process simple and clear so employees understand their options and can confidently select the coverage that best fits their needs.
In most cases, there is no additional cost for benefit guides, enrollment support, or ongoing service. These services are typically included as part of working with a broker. We provide customized benefit guides, employee education, and hands-on support to ensure your team has a smooth and informed enrollment experience.
Absolutely. Our relationship does not end after enrollment. We provide ongoing support throughout the year, including assistance with claims issues, employee questions, policy changes, compliance updates, and renewal planning. We act as your advocate to ensure your coverage continues to meet your needs as your business grows and evolves.
Group Health Insurance Guides & Resources
How Does Business Health Insurance Work
Business health insurance—also known as group health insurance—is one of the most valuable benefits employers can offer. It helps attract and retain talent, improves employee well-being, and may provide tax advantages for businesses. In this guide, we’ll break down exactly how business health insurance works, what your legal responsibilities are, and how to choose the […]
What You Should Know About Group Health Insurance
Essential information for employers considering group health coverage for their teams.
Group Insurance Solutions That Work for Your Business
Group Health Insurance Testimonials
Lisa Rodriguez
★★★★☆
Good group coverage that helps us attract quality employees. Reasonable rates and comprehensive health benefits.
Michael Chen
★★★★★
Great value for our business. Comprehensive employee health benefits with excellent customer service and support.
Sarah Johnson
★★★★★
Excellent group health insurance that covers all our employees. The coverage is comprehensive and the claims process is efficient.
Jerry Nix
★★★★★
A mid-sized company with 50 employees implemented a group health and dental plan. The total monthly premium per employee was $350, with the employer covering 70%. This arrangement allowed employees to access dental cleanings, vision exams, and regular doctor visits at minimal out-of-pocket cost. Employee satisfaction and retention increased significantly after introducing the plan.
Coverage by State
Explore Group Health Insurance Guidance by State
Hover any state to preview its page and jump straight into state-specific coverage information.
Learn About Group Health Insurance in My State?
Select a state using the map or dropdown menu. Coverage is not available in all states.
Top Health Insurance Carriers for Employers
Compare leading health insurance providers for employers, including coverage types and starting costs.
| Company | Best For | Monthly Cost |
|---|---|---|
| Cigna | Comprehensive coverage with access to nationwide providers and flexible plans for employers | $200/month |
| BlueCross BlueShield | Trusted insurer offering strong network coverage and specialized senior health plans | $210/month |
| United Healthcare | Large network with comprehensive Medicare Advantage and supplemental plans for employers | $195/month |
| Aetna | Affordable plans with preventative care benefits and wide provider access for employers | $205/month |
| Humana | Popular Medicare Advantage plans and wellness programs tailored for employers | $190/month |
| Trustmark | Offers group and supplemental health plans with flexible coverage for older adults | $185/month |
| Nationwide | Provides senior-friendly health and supplemental coverage with customizable options | $200/month |
| United Concordia | Specializes in dental coverage for employers with affordable preventive and restorative options | $55/month |
| NBBA | Offers group and supplemental health benefits tailored for senior employees and retirees | $180/month |
Timothy Baggett, CFP®, Licensed Insurance Professional
| Reviewed by Amerus Insurance Group Editorial Team
A Better Way to Manage Group Insurance
Let us simplify your benefits strategy while delivering real savings and exceptional service.