Your Team Deserves Quality Health Insurance Coverage
At HealthPro Consultants, we understand how important it is to offer affordable, high-quality healthcare coverage for your employees. Whether you’re a small business owner, a startup founder, or running a growing company, choosing the right group health insurance plans can help you attract top talent, boost retention, and support your team’s well-being.
Based in Miami and serving clients nationwide, our team is here to help you navigate your options with clarity and confidence. HealthPro Consultants is staffed with educated, experienced, and knowledgeable health professionals who can quickly and easily determine the best health insurance options for your specific situation. We make it easy to compare group health plans, understand your choices, and enroll in a policy that meets the needs of your business and employees.
What Is Group Health Insurance?
Group health insurance is a type of health coverage offered by an employer to its employees. These plans typically cover the employee, and often their dependents, under a single policy. Group plans can range from basic medical coverage to comprehensive plans that include vision, dental, and mental health services.
Because risk is spread across a group of people, these plans are usually more affordable per person than individual policies. Employers often pay a portion of the monthly premium, helping reduce the financial burden on employees.
Benefits of Group Health Insurance Plans
Offering group health insurance isn’t just about compliance or checking a box. It’s a strategic investment in your business and your people. Here’s why:
-
Attract and retain top talent – A robust benefits package makes your company more appealing to job seekers and helps you retain valuable employees.
-
Tax advantages – Employer contributions toward premiums are typically tax-deductible, and in many cases, employee contributions are made pre-tax.
-
Lower costs – Group rates are often more competitive than individual plan rates, and the risk pool helps keep premiums manageable.
-
Healthier employees – Preventive care and access to medical services contribute to improved overall employee health, leading to fewer sick days and greater productivity.
-
Streamlined coverage – Group plans are easier to manage than multiple individual plans and come with dedicated support from carriers and consultants like HealthPro.
Types of Group Health Plans We Offer
At HealthPro Consultants, we offer a variety of group health plans tailored to fit businesses of different sizes and budgets. Our licensed advisors take time to understand your team structure, budget, and benefit priorities before recommending the right plan.
Some of the options include:
-
HMO Plans (Health Maintenance Organization): Cost-effective with a focus on primary care and preventive services. Requires employees to choose providers within a defined network.
-
PPO Plans (Preferred Provider Organization): Offers more flexibility with the ability to see out-of-network doctors and specialists without referrals.
-
EPO Plans (Exclusive Provider Organization): Similar to HMOs but without referrals; however, coverage is limited to network providers.
-
High Deductible Health Plans (HDHPs) with HSAs: Lower premiums with higher deductibles, these plans allow employers and employees to contribute to Health Savings Accounts for qualified expenses.
-
Self-Funded Plans: Suitable for smaller companies that want more control over costs and claims.
We also help companies incorporate add-on benefits such as dental, vision, disability, and telehealth into their group health insurance plans, offering comprehensive coverage that supports all aspects of employee health.
How HealthPro Consultants Helps You Choose the Right Plan
Navigating group insurance can be overwhelming, especially with changing regulations, fluctuating premiums, and evolving healthcare needs. That’s where we come in.
Our process is simple, transparent, and focused on what’s best for your business:
-
We listen – We take the time to understand your workforce size, budget, and benefits goals.
-
We analyze – We compare plan options from top insurers, assessing deductibles, coverage levels, networks, and costs.
-
We guide – We explain the pros and cons of each option in plain language, so you can make confident decisions.
-
We support – Once you choose a plan, we assist with enrollment, employee onboarding, and ongoing account management.
Our team stays up to date on state and federal laws, including ACA compliance, COBRA administration, and more. Whether you’re based in Miami or operating remotely across the U.S., HealthPro Consultants is your partner in delivering dependable healthcare coverage.
Industries We Serve
From hospitality and retail to tech startups and law firms, our clients span nearly every sector. We specialize in group plans for:
-
Small businesses with 2–50 employees
-
Mid-sized companies with up to 500 employees
-
Multi-location or remote teams
-
Seasonal and part-time employee coverage
Who We Insure
At HealthPro Consultants, we specialize in helping the people who need guidance the most. We’ve worked with 1099 contractors, self-employed individuals, small businesses, and those seeking alternative COBRA options or employer-sponsored plan alternatives. We also assist clients who need unsubsidized insurance, making sure they have access to quality, affordable coverage when it matters most.
1099 Contractors
We offer customized health insurance solutions for independent contractors, freelancers, and gig workers who need flexible, affordable coverage.
Self-Employed Individuals
Whether you’re a sole proprietor or running your own business, we help self-employed professionals find plans that fit their needs and budget.
Small Businesses
We assist small businesses in setting up competitive health insurance options to attract and retain top talent without overextending their budgets.
Alternative COBRA Options
If you’re losing employer-sponsored coverage, we provide alternative COBRA solutions that are often more affordable and offer broader choices.
Employer-Sponsored Plan Alternatives
We help individuals and businesses explore alternatives to traditional employer plans, offering more flexible, personalized health insurance options.
Unsubsidized Insurance
For those who don’t qualify for government subsidies, and may be overpaying, we provide access to private health insurance plans with competitive rates and comprehensive coverage.
Insurance for Frequent Domestic Travelers
Traveling often between states can complicate insurance needs. Whether you’re a business traveler, remote worker, or someone who simply enjoys exploring the U.S., it’s important to have coverage that travels with you.
Get Started Today
Choosing the right group health insurance plan is a big decision, but you don’t have to make it alone. Let HealthPro Consultants help you build a plan that protects your people and supports your bottom line. Contact us today for a free consultation and customized quote.
In most states, you need at least two employees to qualify for a group health plan. However, some insurers offer options for sole proprietors or owner-only businesses under specific conditions.
Not necessarily. Employers can offer different tiers or plan options, but all employees must have equal access to benefits based on full-time status and other consistent criteria.
Yes. Employer contributions toward group health insurance premiums are generally tax-deductible as a business expense.
HMO plans require members to choose a primary care physician and get referrals for specialists. PPO plans offer more flexibility and don’t require referrals, but often come with higher premiums.
Yes, most group health plans allow employees to include spouses, children, and sometimes domestic partners, although coverage costs may vary.
Once your business reaches 50 full-time employees or full-time equivalents, you may be subject to ACA employer mandate rules. We’ll help ensure your coverage stays compliant as your business grows.