Want to offer health coverage without overpaying? Kyle Frank is a licensed health insurance broker in Sunrise who helps Florida small business owners compare group plans and other ways to cover themselves and their teams. It costs you nothing.
These are the moments when coverage most often gets expensive or confusing.
Health benefits help you attract and keep good people. Kyle shows you what it would cost before you commit.
A renewal increase is a good time to compare other carriers and other ways to offer coverage.
If you don't know where to start, one short call covers the options that fit a business your size.
Kyle is licensed in 31 states and checks how each option works where your people live.
If it's just you, or you and your family, see our guide to health insurance for the self-employed.
There is more than one way to offer coverage. Kyle compares them side by side.
One plan, or a few choices, for the whole team. The business pays part of the premium, and employees can usually enroll regardless of their health history.
An Individual Coverage HRA lets the business give employees a set tax-free amount each month to buy their own individual health plan.
For businesses with fewer than 50 full-time employees that don't offer a group plan. You reimburse employees for premiums and medical costs up to a yearly limit set by the IRS.
For very small teams, sometimes the simplest answer is helping each person find their own plan. Kyle compares private and Marketplace options for each employee.
Most of the businesses Kyle works with have between 2 and 50 employees.
A low monthly cost isn't a good deal if the plan doesn't work for your team.
Three simple steps. No pressure and no cost to you.
Tell Kyle how many people need coverage, where they live, and your budget.
Kyle walks you through your options and what each one does and does not cover.
Kyle helps you enroll and stays available when you have questions later.
Private health plans are not ACA-compliant major medical plans. Benefits, exclusions, limits and underwriting vary by plan, they may not cover pre-existing conditions or all essential health benefits, and they are not eligible for ACA premium subsidies. Kyle explains exactly what a plan does and does not cover before you decide, and you should read the plan documents.
Kyle is based in Sunrise and works with business owners by phone or video across Florida, including Fort Lauderdale, Plantation, Davie, Coral Springs, Miami, Boca Raton, West Palm Beach, Orlando and Tampa. He's also licensed in 30 other states.
More reading: health insurance for the self-employed, family health insurance in Florida, and COBRA and your other options.
Quick answers to what business owners ask us most.
Businesses with fewer than 50 full-time equivalent employees generally aren't required to under federal law. Many offer it anyway to attract and keep good employees.
Generally at least one employee besides the owner or the owner's spouse. Carriers also have participation rules, which Kyle checks for you.
With a group plan, the business picks the plan and pays part of the premium. With an ICHRA, the business sets a monthly amount and each employee uses it to buy their own individual plan.
Small group plans can generally start in any month of the year. You don't have to wait for open enrollment.
Employer contributions are generally tax-deductible, and some very small businesses may qualify for a tax credit. Ask your tax professional how it applies to you.
No. Kyle is paid by the insurance carriers, not by you.
A free 15-minute call is all it takes. Kyle will walk you through your options.