Most CT Businesses Are Overpaying — And No One Is Saying Anything. Why?

Here's what we almost always see when we take over a new client: employers playing in the same small pond, with high increases. Same carriers, same plans, same outcomes. Always reacting, but never getting out in front of anything.

Sound familiar?

The group health insurance market is evolving constantly, so why aren't your options? Plans seem to lack quality, while costs rise, and your employees complain. It seems hopeless, but we have never reviewed a client that was not leaving money on the table.

We've never taken over a client where we couldn't find a significant overspend. Not once. That's not a sales pitch — it's just what happens when effort is applied in the right area.

Understanding Your Funding Options

This is where most business owners get confused — and where having the right broker makes all the difference. There are three primary ways to fund your group health plan:

Fully Insured

The traditional model

Fixed premiums, carrier takes the risk. Predictable — but it's also the most expensive option for many businesses. If your group is healthy, you're subsidizing everyone else's claims. There's a better way.

Level Funded

A step up — with caveats

Fixed monthly costs with the chance to get money back if claims are low. But it has limitations that are often unknown and rarely discussed with clients. Not all level-funded plans are created equal.

Self-Funded

Hidden advantages for 50+ employees

Full claims transparency, freedom from state mandates, cash flow benefits — self-funding gives you the opportunity to take control and recoup funding you're currently throwing away to carriers.

Which one is right for you? That depends on your employee count, claims history, risk appetite, and cash flow. That's exactly the kind of analysis we do in a free benefits review.

How We Help CT Businesses Get Better Coverage at Lower Cost

We don't just hand you a renewal and hope for the best. Here's what working with us actually looks like:

1
We Analyze Your Current Situation
We review your current plan, employee census, claims history, and renewal. We then formulate a plan specific to your business with a roadmap over the next 3–5 years, not just the next renewal period.
2
We Shop the Entire Market
As an employer, you typically see two or three carriers. We go to every carrier available for your group — including carriers with cutting-edge options you may have never heard of. If a carrier will quote your group, we quote them.
3
We Build a Strategy, Not Just a Quote
A quote is a piece of paper. A strategy is a multi-year approach to managing your healthcare costs — plan design changes, funding mechanisms, and contribution strategies that get you the best outcome over time.
4
We Present Everything Clearly
You get a clear, side-by-side comparison of your options with plain-English explanations. No jargon. No pressure. With us, there are no surprises — you'll know how you're running far in advance.
5
We Handle the Transition
Employee communications, enrollment meetings, carrier coordination, ID cards, payroll setup — all of it. Your employees won't experience any disruption.
6
We Stay With You All Year
Billing issues? We fix them. Claim problems? We handle it. Need to add someone mid-year? We take care of it. Your HR team shouldn't have to fight with insurance carriers — that's our job.

We Handle Your Entire Benefits Program

Group health insurance is the foundation, but it's not the whole picture. We help businesses build comprehensive benefits packages that attract and retain top talent:

Ancillary Benefits

Dental, vision, life insurance, short-term and long-term disability. Relatively inexpensive to offer, but makes a benefits package look robust when recruiting.

Compliance Consulting

ACA reporting, ERISA requirements, COBRA, Section 125, and Connecticut-specific mandates. We make sure you're covered.

HRIS & Benefits Technology

Benefits administration platforms that simplify enrollment, streamline HR workflows, and give employees self-service access.

HSA, FSA & HRA Administration

Tax-advantaged accounts that save both you and your employees money. We help you choose the right accounts and get them set up.

Why CT Businesses Choose Us

We Were Trained to Build Plans, Not Just Sell Them

Our founders started their careers as underwriters and actuaries — the people who actually build and price insurance plans. When we negotiate with a carrier, we understand exactly how the numbers work. Most don't have this background, and it's a critical piece in saving you money.

We're Not Afraid of the Hard Work

It can take up to 100 hours to properly quote, design, and implement a new benefits program. It can also take 15 minutes to just renew as-is. We don't make decisions based on what's convenient for us — we make them based on what's best for you.

We're Local and We're Here to Stay

We're based in Connecticut and we work here every day. We know the carriers, the market, and the regulations. When you call us, you get a real person who understands your situation — not a call center.

Common Questions About Group Health Insurance in CT

How much does group health insurance cost in Connecticut?
It depends on group size, employee demographics, plan design, and location. On average, CT employers pay between $6,000 and $18,000 per employee per year. That's a wide range — which is exactly why shopping the market matters. A free benefits review will show you exactly where you stand.
Do I have to offer health insurance to my employees?
If you have 50 or more full-time equivalent employees, the ACA requires you to offer affordable coverage or face penalties. Under 50, it's optional — but offering benefits is one of the most effective tools for recruiting and retention in today's competitive market.
Can I switch brokers mid-year?
Yes, and it's easier than you think. Switching brokers doesn't change your employees' coverage at all. We simply become your broker of record with the carrier. No disruption, no re-enrollment, no change in benefits. The only thing that changes is the level of service you receive.
How long does the benefits review take?
About 15 minutes of your time upfront. We need your current plan information and employee census. From there, we handle everything and come back to you with options within a few business days.
What carriers do you work with?
We send out hundreds of proposals per year, which means we have quoted and seen every carrier that works in Connecticut. We have a pulse on who has the best offers based on your needs — if they write group business in your state, we quote them. We're not captive to any carrier, which means we always recommend the best option for your business.