Fewer than 50 employees? We’ve got health insurance solutions for you.
In your search for the best small group health insurance, you’ve found a partner you can trust. At Akron, Ohio-based AUI, an independent, licensed, small business health insurance broker, our agents work for you. We advocate for your company, not insurance carriers, and provide you access to:
- Many health insurance options
- Ohio’s best health-care provider networks
Just as important, you can count on us for:
- Plan enrollment management
- Consistent communication
- Annual renewal planning
Small Company Health Insurance With the AUI Difference
When you choose AUI for small business medical insurance, you’ll get a dedicated advisor who not only understands small business health insurance, but also the unique needs of small businesses. With our wide range of health insurance carriers, products, and plan types—including some exclusive to AUI—we’ll help you put together a solution that works for your company, is helpful to your employees, and fits your budget.
Your AUI agent will handle every aspect of employee onboarding and offboarding, making that time-consuming process easy for you. Plus, you can count on them to touch base with you regularly to ensure everything is running smoothly. Then, when it’s time for your annual renewal, your agent will help you assess if your health care insurance remains a good fit for your small business.
Small Business Health Plans Through the ACA
If you are considering small business healthcare through the Affordable Care Act (ACA) Small Business Health Options Program (SHOP), you’ve come to the right place. We can assist you in examining the possibilities and navigating the ins and outs of a SHOP plan, such as:
- Any required reporting, if applicable
- Employee onboarding and offboarding
- Waiting periods
- Summary of Benefits and Coverage (SBC) disclosures
- Flexible spending accounts (FSAs)
ACA plans don’t involve medical underwriting, and employees won’t be asked about their medical history at enrollment.
Small Business Health Care MEWAs
AUI also offers several MEWA (multiple employer welfare arrangement) plans for Ohio small employer health insurance. MEWAs, sponsored by chambers of commerce, require medical underwriting and may provide a significant cost savings for your business, especially when compared to the costs and restrictions of the ACA. In addition, if you have a grandmothered or grandfathered plan, you can enter these plans before your regularly scheduled renewal.
AUI works with:
- Council of Smaller Enterprises (COSE) Health & Welfare Trust (Medical Mutual)
- Southern Ohio Chamber Alliance (SOCA) Health Benefits Plan (Anthem)
- Greater Akron Chamber (GAC) Health Benefit Plan (SummaCare)
- Canton Regional Chamber Health Fund (Aultcare)
- Ohio Chamber Health Benefit Program (UnitedHealthcare)
- Ohio Farm Bureau Health Benefits Plan
Self-funded Health Care Insurance for Small Businesses
Self-funded plans have traditionally been used by large businesses, but small businesses can also take advantage of the benefits of self-funding, such as the ability to create highly customized plans with potentially lower costs and fewer regulations. Although setting up a self-funded plan has its challenges, AUI can provide you with all the guidance you need to make the right decisions.
