Corporate Employee Benefits
Health insurance is typically a business’s second or third largest operating expense. We audit existing group plans, structure level-funded surplus models, deploy tax-free reimbursement arrangements (ICHRA), and install voluntary benefits to attract top talent while protecting your bottom line.
Small Group Major Medical
Fully-Insured Group Coverage (1–50 Employees)
Comprehensive group major medical guaranteed issue for small businesses. We structure plan designs across major commercial carriers with defined employer contribution models (e.g., 50% employee-only) to lock in predictable corporate healthcare budgets.
- ■ Guaranteed Issue Small Group Coverage
- ■ PPO, EPO, and HMO Network Options
- ■ Multi-Tier Plan Options (Bronze, Silver, Gold, Platinum)
Level-Funded Health Plans
The Claims Surplus Refund Strategy
A hybrid self-funded model designed for businesses with relatively healthy workforces. You pay a predictable, fixed monthly premium (including stop-loss insurance). If total employee claims at the end of the plan year are lower than projected, the surplus claims cash is refunded directly back to your business.
- ■ Annual Claims Surplus Refunds Returned to Employer
- ■ Fixed Monthly Budget with Built-in Stop-Loss Shield
- ■ Exemption from Many Costly State Health Mandates
ICHRA Reimbursement Models
Individual Coverage Health Reimbursement Arrangements
Eliminate group rate hikes and claims risk. With an ICHRA, the employer allocates a fixed, tax-free monthly dollar allowance to each employee class (e.g., full-time, salaried, hourly). Employees select and own their individual health plans on or off the exchange, and the business reimburses the premium tax-free.
- ■ 100% Tax-Deductible for Employers / Tax-Free for Employees
- ■ Absolute Control Over Annual Healthcare Budget Increases
- ■ Employees Choose Their Preferred Doctor Networks
Group Dental, Vision, Life & DI
Employer-Sponsored or 100% Voluntary
Attract and retain talent with Fortune 500-level ancillary benefits. Deploy employer-sponsored or 100% employee-paid (payroll-deducted) Group Dental (PPO/DHMO), Group Vision, Group Term Life, and Short/Long-Term Disability with zero direct premium cost to your business.
- ■ 100% Voluntary Employee-Paid Options Available
- ■ Pre-Tax Section 125 Cafeteria Plan Implementation
- ■ High-Participation Guaranteed-Issue Group Underwriting
*Small group health insurance eligibility, minimum employer contribution rates (typically 50% of employee-only premium), and minimum employee participation thresholds (typically 50–70% of eligible staff) are subject to Florida Insurance Code and carrier underwriting guidelines.
*Level-funded plan surplus refunds depend entirely on actual group medical claims experience during the contract period; surpluses are not contractually guaranteed. ICHRA plans must comply with federal IRS and Department of Labor affordability and non-discrimination rules. Heritage Hills Insurance Brokerage, LLC does not provide tax or legal advice.
Request a Corporate Group Benefits Audit
Send us your current employee census or renewal statement. Our desk will model fully-insured, level-funded, and ICHRA options across every major Florida commercial carrier.