Providing quality health insurance is one of the best ways to attract and retain strong employees. We help small and mid-size businesses compare affordable group health plans—including traditional group health insurance, level-funded plans, and Section 125 health plans—to protect your team and control your monthly costs.
Whether you’re a contractor, family business, LLC, or growing company, we help you find the right coverage at the best rates.
⭐ Benefits of Group Health Insurance
✔ Lower Premiums
Group plans often cost less per employee than individual plans.
✔ Better Networks & Strong Coverage
Employees receive preventive care, doctor visits, urgent care, prescriptions, and more.
✔ Tax Advantages
Businesses may qualify for deductions and credits based on plan type and employee structure.
✔ Employee Attraction & Retention
Offering benefits helps you compete for top talent.
✔ Flexible Options
Choose from PPO, HMO, HDHP, dental, vision, and supplemental benefits.
⭐ Section 125 Health Plans (Cafeteria Plans)
A Section 125 Health Plan allows employees to pay for certain insurance premiums or medical expenses with pre-tax dollars, lowering both employee taxes and employer payroll taxes.
Benefits of Section 125 plans for employers:
- Reduce payroll taxes (FICA savings)
- Lower overall benefit costs
- Improve employee participation in benefits
- Can be added to most group plans
Benefits for employees:
- Pay premiums pre-tax
- Lower taxable income
- More affordable monthly coverage
- Works with medical, dental, vision, and supplemental plans
Section 125 plans are ideal for small businesses looking to reduce costs without reducing benefits.
⭐ Types of Group Health Plans We Offer
✔ ACA-Compliant Major Medical Plans
Full coverage with essential health benefits.
✔ PPO & HMO Plans
Flexible provider networks.
✔ High-Deductible Plans (HDHP) + HSAs
Lower premiums and tax advantages.
✔ Level-Funded & Self-Funded Plans
Lower monthly costs for healthier groups.
✔ Group Dental & Vision Plans
Affordable add-ons for complete benefits.
✔ Section 125 Cafeteria Plans
Tax savings for employer and employee.
⭐ Who Group Health Is Best For
- Small businesses
- Trades and contractors
- Family-run companies
- Startups and LLCs
- Businesses with 2–50+ employees
- Employers offering benefits for the first time
No matter your size, we help you build a competitive, affordable health benefits package.
⭐ Why Choose LifeCare Benefit Services
We help your business:
- Compare plans from multiple carriers
- Understand your deductible, copays, and network options
- Reduce costs with Section 125 plans and tax strategies
- Build custom employee benefits packages
- Keep monthly premiums as low as possible
Our service is built to make group health insurance simple and affordable.