Health Maintenance Organization (HMO)

Offers lower premiums but requires using a network of doctors and obtaining referrals for specialists.

Preferred Provider Organization (PPO)

Provides more flexibility in choosing healthcare providers but typically at a higher cost.

Exclusive Provider Organization (EPO)

Combines elements of HMOs and PPOs, offering no out-of-network coverage but no referral requirement for specialists.

Additional Benefits

Consider adding dental, vision, or wellness programs to enhance your benefits package.

How Our Calculator Works

Our Group Health Insurance Calculator uses the information you provide to:

Estimate base premiums based on employee demographics and business details.

Adjust for plan types and additional benefits.

Calculate costs for different coverage levels and employer contribution scenarios.

Provide options for balancing coverage quality with budget constraints.

Next Steps

After using our calculator:

• Review the estimated coverage and costs.
• Consider adjusting plan types or contribution levels to find the right balance of benefits and affordability.
• Get a detailed quote from our insurance experts for a more precise estimate.
• Consult with an agent to discuss your specific business needs and any questions you may have.