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Teaser rates
Carriers quote a low first-year premium to win your business, then raise it once you are locked in and unlikely to re-shop.
Carriers win you with low teaser rates, then raise them every renewal, betting you will not shop around. We compare every Kansas carrier, decode the fine print, and handle the switch, so your small business pays what it actually should.
For most Kansas small businesses, health coverage is one of the biggest line items on the books, and the system is built to keep it that way. Here is how carriers quietly overcharge you.
Carriers quote a low first-year premium to win your business, then raise it once you are locked in and unlikely to re-shop.
Each year your rate climbs, often 10 to 30 percent. Most owners just pay it because checking the market is a hassle.
Networks, deductibles, and plan tiers are complicated on purpose. When you cannot compare clearly, you cannot tell when you are overpaying.
We are independent Kansas brokers, not a single carrier. Our job is to find your business the best group health insurance plan and keep you off the overpaying treadmill.
Blue Cross Kansas, Blue KC, UnitedHealthcare, Aetna, Cigna, side by side, with real numbers that hold up at renewal, not teaser rates.
We translate networks, deductibles, and fine print into a plain comparison so you see exactly what you are buying and what it costs.
We do the paperwork and coordinate dates with the carriers, so moving plans never disrupts your team or eats up your week.
Before your rate quietly climbs again, we re-shop the market for you, so your small business never gets stuck overpaying twice.
Independent means we are not tied to one carrier. We recommend the plan that fits your business, not the one that pays us most.
We know the Kansas carriers, networks, and small-group rules, and we are a phone call away when you need us.
Brokers are paid by the carrier. Our comparison, the switch, and renewal help never add to your bill.
The same person who sets up your plan handles your renewals and your team's questions every year.
If you employ between two and fifty people in Kansas, you qualify for a small-group plan. Small business health insurance is guaranteed-issue, so a carrier cannot turn your business away or charge more because of an employee's health history. We make sure you are not overpaying for it.
From a two-person shop to a 50-person company, a group plan usually costs each employee less than buying coverage alone.
2 to 50 employeesAdding staff this year? We set up business health insurance that scales, so you enroll new hires without starting over.
Built to growWe handle the carrier comparisons, the switch, and every renewal. You get clear options and one point of contact.
Done for you"We'd been with the same carrier six years and never knew we could do better. They found a plan that saved us about 18% and handled the whole switch."
"Our renewal jumped again and I was ready to just eat it. One call and they re-shopped everything. No fee, no hassle."
"Finally someone explained our options in plain English instead of insurance jargon. Made the decision easy."
Most Kansas small groups land on one of these. We walk you through the trade-offs so the plan fits your budget and your team.
The most flexible option. Employees see in-network or out-of-network doctors with no referral. Higher premiums, fewer restrictions.
Lower premiums in exchange for staying in-network and using a primary doctor for referrals. A strong fit when cost control matters most.
A high-deductible plan paired with a tax-advantaged Health Savings Account. Lower monthly cost, with pre-tax dollars from you and your team.
There is no single sticker price for group health insurance. Your real cost comes down to a handful of factors, and the carrier is not going to volunteer the cheapest path. We will.
Most Kansas employers contribute 50 to 70 percent of the employee premium. We show you exact numbers from several carriers before you decide anything.
Get real numbersThe Kansas small-group market follows clear rules. Here is the short version, in plain language.
Kansas defines a small group as an employer with 1 to 50 full-time-equivalent employees. Above 50, you move into the large-group market.
Carriers must offer your business a plan regardless of your team's health. No one gets denied for a pre-existing condition.
Unlike individual coverage, small-group plans are not locked to open enrollment. Start a plan, or switch one, when it suits your business.
We serve employers statewide, from Wichita and Topeka to group health insurance and small business health insurance for businesses across Kansas City. Wherever your team is, we find the plan you should be paying for.
Many Kansas businesses are sold a low first-year teaser rate, then watch it climb 10 to 30 percent at renewal once they are locked in. Because comparing carriers is confusing, most owners pay the increase instead of shopping it. That is exactly the gap we close.
It feels hard, which is why carriers count on you staying. We handle the paperwork, coordinate the start and end dates, and manage the carrier so switching does not fall on you.
No. We line up the new plan to start the day the old one ends, so your team keeps continuous coverage with no gap.
In Kansas, a small group is an employer with 1 to 50 full-time-equivalent employees. These businesses buy small-group ACA plans, which are guaranteed-issue regardless of employee health.
It depends on employee count, ages, plan design, and how much you contribute. Most Kansas employers pay 50 to 70 percent of the employee premium. We show you exact numbers from multiple carriers before you commit.
No. As licensed brokers we are paid by the carrier, so our help comparing plans, switching, and managing renewals costs your business nothing.
A free rate review from Kansas brokers who work for you, not the carrier.