Health Estimates
Benefit Advisors

Group Health

Group Health Employee Benefits

Health insurance is complicated, we can help.

You can browse plans and read articles online or call and get our personalized Recommendation from one of our agents.

No charge, no expectations to enroll.

Health Estimates prides itself on doing one thing REALLY WELL: employee benefits and group insurance. For more than 40 years, Jeff Sopko and the staff at Health Estimates, have helped Illinois and Indiana business owners design, implement and manage a full array of group insurance products including;

  • Group medical insurance

  • Health Savings Accounts (HSA)

  • Health Reimbursement Arrangements (HRA)

  • Fully insured and partially self-funded plans

  • Health Insurance Captives and other creative insurance options

  • Wellness programs

  • Dependent Care | Medical Flexible Spending Accounts

  • Short- and Long-Term Disability Insurance

  • Dental Insurance

  • Vision Insurance

  • A wide array of voluntary group products

  • Base and Voluntary Life Insurance

Managing rising employee benefit costs while attracting and retaining valuable employees is our goal for you. Let us make this process simple and easy.

How Does Small Business Health Insurance Work?

There are four things every small business owner should know about how small business health insurance works.

  • Coverage is generally guaranteed issue

  • You need at least one employee to qualify

  • You must contribute toward employee premiums

  • And you can shop for coverage at any time of the year

The insurance company will determine the final monthly cost for your group health insurance plan once your application has been reviewed and approved. The insurance company will assess your group using a number of criteria, including the size and location of your company and the ages of your employees, to arrive at the final monthly rate, or premium. As part of the Affordable Care Act, the health of your employees, including pre-existing conditions, no longer impact group health insurance rates. 

If you already have a broker or have purchased a group health insurance plan in the past through a broker or health insurance company, Health Estimates can help you to maintain your current plan or find a new plan that meets your health insurance needs.

In addition:

  • Health Estimates provides you with world-class customer service.

  • Health Estimates is a platinum agent with many top health insurance companies.

  • Health Estimates has dedicated accounts managers to assist you.

  • Rates are regulated and do not vary by broker, so there's no additional cost to you.

  • We never charge any fee’s for service we provide.

Ready to talk? Let’s chat! 

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