Business Insurance

Under the Employer Shared Responsibility provision, also known as the Employer Mandate, large businesses are obligated to offer health insurance that adheres to minimum standards to all full-time staff or face a penalty. While not all businesses are required to supply health insurance, those with over 50 full-time equivalent employees must comply with this mandate under the Affordable Care Act or pay a tax penalty.
Small businesses can extend health insurance to their employees through the Marketplace, also known as SHOP. For those finding SHOP unsuitable, alternatives such as Assure or QSHERA may offer better solutions for their business.


Business health insurance is vital for companies to support their workforce’s health needs. Three notable options are SHOP Marketplace, ideal for small businesses wanting an easy comparison of plans; Assure, offering tailored insurance solutions to fit company-specific requirements; and QSHERA, which allows small employers to reimburse individual health insurance costs. Selection depends on factors like company size, budget, and desired benefits. To learn more please click one of the tabs above.

What is SHOP?

The SHOP Marketplace offers high-quality plans from private insurance companies. You have choice and flexibility. You can handle everything online — applying, choosing plans, managing your coverage, and paying your premiums — whenever it’s convenient for you. If you have fewer than 25 employees, you may qualify for a Small Business Health Care Tax Credit worth up to 50% of your premium costs.
Offer your employees one plan, or let them choose from multiple plans. Offer only health coverage, health and dental coverage, or only dental coverage. Choose how much you pay toward your employees’ premiums, and whether to offer coverage to their dependents. Decide how long your employees’ initial enrollment period is, and how long new employees must wait before joining the plan.
For a customized plan for your business contact June Johnson 920-284-6067 or

This is the fastest growing health insurance for business between 2-100 employees

Assure is a rapidly expanding health insurance option for businesses with 2-100 employees. It offers the predictability of a fully insured plan with the potential savings of self-insurance. Companies pay a fixed monthly rate, eliminating the volatility of traditional self-insured plans. If claims are lower than funded, businesses can receive all surplus funds back. Stop-loss insurance provides protection against high claims, ensuring financial stability. This hybrid model combines security with cost efficiency.

A Qualified Small Employer Health Reimbursement Arrangement (QSEHRA) is a health insurance subsidy plan for small businesses with fewer than 50 full-time employees. It allows these small employers to reimburse their employees for personal health insurance policy costs and qualified medical expenses on a tax-free basis

Here’s how a QSEHRA works:

  • Eligible Employers: Businesses with fewer than 50 full-time employees can offer a QSEHRA.
  • Reimbursement: Employees can be reimbursed for health insurance premiums and other qualifying health expenses.
  • Tax Benefits: Reimbursements made through a QSEHRA are not taxed, providing a benefit to both employers and employees.
  • Employee Coverage: Employees must maintain minimum essential coverage, including an individual Marketplace plan, to be eligible for reimbursements.
  • Flexibility: A QSEHRA offers flexibility as it can cover a range of healthcare costs, and employees may also be eligible for premium subsidies in the health insurance exchange.

This arrangement helps small businesses provide health benefits to their employees without the need for traditional group health insurance plans. It’s a cost-effective solution that can be tailored to the specific needs of the business and its employees.

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We do not cover every Medicare plan available in your area. Currently, I represent 8 organizations which offers 57 products in your area. Please contact or 1-800-Medicare or your local State Health Insurance Program (SHIP) to get all of your options.