FAQ
Straight answers about small-business benefits in Michigan.
Straight answers about small-business benefits in Michigan.
Q: Do employers have to offer health insurance?
Michigan small businesses under 50 full-time employees generally aren't required to offer health insurance — but offering benefits is one of the most effective ways to attract and keep good people. We'll help you weigh your options.
Q: Can a one-person company qualify for a group plan?
Group plans generally require at least one non-owner W2 employee. If it's just the owner, individual coverage is usually the right path — and we can help with that too.
Q: What is COBRA?
COBRA lets employees keep their group health coverage for a period after leaving a job. We provide COBRA administration so you stay compliant without the paperwork burden.
Q: What's the difference between a PPO and an HMO?
A PPO offers more flexibility to see providers without referrals, usually at a higher premium. An HMO typically costs less but keeps you within a network and uses a primary-care gatekeeper. We'll help you compare for your team.
Q: How much does small-business health insurance cost?
It depends on group size, plan design, and employee ages. Health insurance is expensive across the board — but we shop multiple carriers to get you the best available value.
Q: Why do premiums increase every year?
Premiums commonly rise 15–20% a year. Prices are regulated — we don't set them — but we shop the market at every renewal to keep you in the right plan at the best price.
Q: Why are Michigan prices different from other states?
Insurance is regulated at the state level and carriers vary by region within Michigan. We're licensed only in Michigan and focus entirely on Michigan plans, so our guidance is specific to you.
Q: How long does it take to set up a plan?
Small groups typically take about 60 days to implement; larger groups around 90. Carrier implementation takes time, and we make sure insurance cards arrive before your effective date.
Q: When should I start shopping for renewal?
We start about 60 days before your plan expires, so there's time to compare options and switch smoothly if it makes sense.
Q: Which areas of Michigan do you serve?
All of them. We're licensed in Michigan and serve all 83 counties.
Still have questions?
We're happy to talk it through — no pressure.