From a 5-person agency to a 100-employee operation, the right group strategy looks different. I'll quote across multiple structures — fully-insured, level-funded, and ancillary — and recommend what actually fits.
I evaluate fully-insured, level-funded, and fully-funded ERISA options against your group profile — not just the one I'm most familiar with.
Most groups in the 5–50 employee range have only ever been quoted on fully-insured plans. That's leaving real money on the table for healthier groups.
Carrier takes the risk. Predictable monthly costs. Good for groups with older employees, chronic conditions, or those who prioritize price stability over potential savings.
Fixed monthly cost like fully-insured, but if claims come in below projected, you get money back at renewal. Often 20–40% cheaper for healthier groups.
You take more of the risk in exchange for more flexibility, lower fixed costs, and detailed claims data. Requires a stop-loss policy and proper administration.
For most 5–50 EE groups I work with, XGB delivers the best combination of competitive pricing, network access, and included extras. Eight plan options across two networks.
High-deductible health plans paired with tax-advantaged HSA accounts. Best for healthier employees who want lower premiums.
| Tier | PHCS Network | Cigna Network |
|---|---|---|
| Employee Only | $284.18 | $321.45 |
| Employee + Spouse | $571.30 | $646.21 |
| Employee + Child(ren) | $502.18 | $568.04 |
| Family | $789.30 | $892.80 |
| Tier | PHCS Network | Cigna Network |
|---|---|---|
| Employee Only | $321.50 | $363.74 |
| Employee + Spouse | $646.30 | $731.05 |
| Employee + Child(ren) | $568.05 | $642.65 |
| Family | $892.80 | $1,009.96 |
Traditional copay structure with first-dollar coverage on office visits and prescriptions. Best for employees who use healthcare regularly.
| Tier | PHCS Network | Cigna Network |
|---|---|---|
| Employee Only | $382.65 | $432.95 |
| Employee + Spouse | $769.10 | $870.05 |
| Employee + Child(ren) | $675.95 | $764.65 |
| Family | $1,062.40 | $1,201.75 |
| Tier | PHCS Network | Cigna Network |
|---|---|---|
| Employee Only | $425.30 | $481.20 |
| Employee + Spouse | $854.95 | $967.20 |
| Employee + Child(ren) | $751.40 | $849.95 |
| Family | $1,180.65 | $1,335.55 |
Lower-cost options with the PHCS network. Suitable for budget-conscious groups seeking PPO-style access.
| Tier | PHCS Network |
|---|---|
| Employee Only | $256.90 |
| Employee + Spouse | $516.45 |
| Employee + Child(ren) | $453.95 |
| Family | $713.50 |
In-network only EPO structure with the full Cigna network. Best for groups whose employees prioritize Cigna access.
| Tier | Cigna Network |
|---|---|
| Employee Only | $415.80 |
| Employee + Spouse | $835.95 |
| Employee + Child(ren) | $734.65 |
| Family | $1,154.85 |
Rates shown are illustrative based on a sample group profile. Actual rates depend on group composition, location, and underwriting. Contact me for a real quote.
An HSA-qualified plan does more than lower premiums. It hands employees a triple-tax-advantaged savings account most don't realize they have.
Then $80 paid post-tax for healthcare = $583.60 net
Plus $80 sitting in HSA = full $690.51 economic value
Multiply that across 26 paychecks per year and 10 years of compounding investment growth, and the average employee builds $145,000+ in tax-advantaged retirement healthcare savings.
Affordable add-ons that round out your benefits package without breaking the budget.
Two cleanings per year, basic and major services covered, large national PPO network. Family rates available.
Annual eye exam, frames or contacts allowance, VSP's nationwide network of independent and chain providers.
Basic life coverage included with the 8300 HSA plan. Voluntary buy-up coverage available for all employees.
Tell me your headcount, ZIP, and current carrier — I'll send back a side-by-side of your options.
Or call me directly: (954) 338-9905
Rates and plan designs shown are illustrative and based on sample group profiles. Actual quoted rates depend on your group's location, size, age distribution, industry, and underwriting. Final plan terms and rates are determined by the issuing carrier and confirmed in your formal proposal.
Level-funded plans involve some risk-sharing between the employer and the carrier. Plans may include claims surplus refunds at year-end if actual claims are below projected, and re-rate adjustments at renewal based on group experience. Stop-loss protection limits maximum employer exposure.
Plan availability varies by state and group size. Network access (PHCS, Cigna, etc.) varies by plan and geography. Telemedicine, life insurance inclusion, and ancillary product availability subject to carrier approval and underwriting.
This page is for informational purposes only and is not a contract or binding offer of insurance. Coverage is governed by the policy documents issued by the carrier. Kristian Delgado is an independent licensed insurance broker (NPN #18338319) authorized to sell in all 50 states.