Let Us Simplify The Process
Group Health Insurance Plans in Connecticut
Choosing group health insurance is one of the biggest decisions a Connecticut employer makes each year. It is usually the largest benefit cost, and it is the benefit employees notice most. The Jones Group is an independent agency in Wethersfield, so we can bring you plans from several carriers and show you how they compare.
Plan types we can quote
We work with HMO, PPO, POS and indemnity plans, as well as high-deductible plans that pair with a Health Savings Account or a Health Reimbursement Arrangement. Each design balances premium, deductible and network differently. A high-deductible plan with an HSA keeps premiums lower and lets employees save pre-tax money for medical costs. A PPO costs more but gives employees the widest choice of doctors.
How we help you choose
We start with your headcount, your budget, and what your employees use today. Then we compare total cost, not only the premium, and check that the doctors and hospitals your team relies on are in each network. You see the options side by side and make the decision.
Rules that depend on your size
Connecticut employers face different rules at different sizes. The federal employer requirement to offer coverage applies at 50 or more full-time equivalent employees. Federal COBRA applies at 20 or more employees, while Connecticut’s continuation law covers employers of any size for up to 30 months. When an employee turns 65, whether your plan or Medicare pays first also depends on whether you have 20 or more employees. We help you understand which rules apply to you.
Enrollment and renewals
We handle enrollment and stay available for employee questions afterward. Before each renewal, we compare your current plan with what other carriers offer, so you can see whether your increase is in line with the market. If you also want dental, vision, disability or life coverage, see our employee benefits services.
Talk With The Jones Group
Tell us how many employees you have and what you offer today, and we will show you the group health insurance options available for your business.
Why Choose The Jones Group
Expertise
Our team has in-depth knowledge of Medicare and the insurance landscape nationally.
Customized Solutions
We can tailor insurance plans to your specific needs budget. We'll get you covered.
Transparency
We provide clear, and honest information to help you make informed decisions.
Ongoing Assistance
Our support doesn't end when you enroll. We're here for you throughout your insurance journey.
Group Health Insurance Questions
Is my business required to offer health insurance?
Under the Affordable Care Act, the employer requirement applies to businesses with 50 or more full-time equivalent employees. Smaller employers are not required to offer coverage, but many do because it helps them hire and keep good people.
Can we pair our plan with a Health Savings Account?
Yes, if you choose a qualifying high-deductible health plan. Employees on that plan can contribute to a Health Savings Account, and the employer can contribute as well.
What happens to coverage when an employee leaves?
Federal COBRA applies to employers with 20 or more employees. Connecticut has its own continuation law that applies to employers of any size and allows coverage to continue for up to 30 months.
When can we change our plan?
Group plans are usually changed at renewal, once a year. That is the best time to compare your current plan with other carriers, and we start that review with you ahead of the renewal date.
Ready to Talk? Contact Us When You're Ready.
Whether you are offering health insurance for the first time or reviewing your plan before renewal, The Jones Group can show you the options. Call (860) 529-3788 to talk with our team.
