A single policy covering all eligible employees — one of the most valued benefits a business can offer.
Group health insurance is a single contract that covers all eligible employees of a business, rather than each person buying an individual plan on their own. It's one of the most valued benefits a company can offer, and often one of the deciding factors for job seekers comparing offers.
Because the risk is spread across everyone enrolled, group plans typically offer more competitive rates than an individual would find on their own. Employers commonly share the cost of premiums with employees, and most plans have participation requirements — usually a minimum percentage of eligible employees must enroll for the group rate to apply. Eligibility rules (full-time vs. part-time, waiting periods, dependent coverage) are set at the plan level, so there's some flexibility in how a plan is structured.
A few things worth comparing across plans: the size and quality of the provider network, deductible and copay structure, how premium costs will be split between the business and employees, and whether the plan needs to accommodate part-time or seasonal staff. The right balance depends on your budget and what matters most to your team.
Every business's situation is different — talk to a licensed agent about your team size and budget, and we'll help you compare real options.
The manager of a small professional office contacted NYC Business Group after being told twice that the company failed to meet the minimum participation requirement for its small group health plan. Before moving the company to another carrier, we reviewed its tax documents and audit paperwork and determined that the group did meet the participation requirement. NYC Business Group took over as broker, completed the audit on the client's behalf, and a few days later the company received confirmation that it had passed.
“Sometimes the right insurance solution isn't a new policy.”Read the Case Study →
Fill out the form and a licensed agent will follow up — or call us directly and skip the wait.
(718) 554-3425Tell us what you need and we’ll help you explore your options.
Instead of one carrier's quote, we compare rates across our network — so you see the best available price without doing the legwork yourself.
Every business is different. We match your plan design to your team's size, budget, and priorities — not a one-size-fits-all package.
20+ years serving Staten Island, Brooklyn, Manhattan, Queens, the Bronx, and Nassau — we know this market because we work in it every day.
"Carmelo DeFranco and the team at NYC Business Group have been my trusted advisors for Medicare for years. Their genuine care and guidance remind me of the support you'd get from a close family member."
"NYC Business Group has consistently provided my company with competitive insurance options. Their team is attentive and responsive whenever we have inquiries or need assistance."
Talk to a licensed local agent today — no obligation.
