Explore traditional group health insurance, ICHRA alternatives, and supplemental employee benefits with personalized guidance designed around your workforce and budget.
Four ways we can approach benefits for your team. Many businesses combine more than one.
A group health plan your business sponsors, with plan options you choose and a share of premiums you contribute. A familiar approach that many employees recognize.
Often a fit for: Teams that want one shared plan and a traditional benefits package
Instead of a group plan, you set a monthly allowance and reimburse employees for individual health insurance they choose — with allowances that can vary by employee class.
Often a fit for: Employers who want a defined budget and more employee choice
Dental, vision, life, and other supplemental coverage that can round out your benefits package — whether you offer a group plan, an ICHRA, or are just getting started.
Often a fit for: Businesses building a more complete, competitive package
A structured review of your renewal before you sign — what changed, what your options are, and whether a different plan design or approach is worth considering.
Often a fit for: Groups with an upcoming renewal or a recent rate increase
Choose a topic to see how a traditional group plan and an Individual Coverage HRA compare. Neither is right for every business — it depends on your team, budget, and goals.
The carrier sets premiums for the group, and you typically pay a share of each employee's premium. Costs can change at each annual renewal, and carriers often require a minimum employer contribution.
You choose a fixed monthly allowance — which can differ by employee class — and reimburse qualifying individual premiums up to that amount. Your contribution is set by you; employees' premiums vary by plan, age, and location.
Employees choose from the plan options you select — often one or a few plans from a single carrier and network.
Employees shop for their own individual plan, which may offer more choice of carriers, networks, and price points, depending on what's available where they live.
One group policy with consolidated billing. You manage enrollment, carrier participation requirements, and the annual renewal.
Requires a formal written arrangement, verifying that employees have individual coverage, and processing reimbursements — often handled with help from an ICHRA administrator.
Carriers set participation and contribution rules, and group plans carry federal and state requirements such as required notices and continuation-of-coverage rules.
ICHRAs follow specific federal rules — including how employee classes are defined, written notices before the plan year, and affordability rules that affect Marketplace premium tax credits. Plan your setup with a qualified administrator and tax advisor.
A group plan may suit you if…
An ICHRA may suit you if…
This comparison is general information, not tax or legal advice. Rules and costs depend on your business and the plans available. Consult a qualified tax advisor or benefits administrator about tax treatment and compliance.
Whether you have three employees or fifty, a review can clarify where you stand and what's worth considering next.
Understand your options and what a realistic budget looks like before you commit.
Get a second opinion on your renewal and see what alternatives may be available.
Make sure your benefits strategy keeps pace as you hire and compete for talent.
Remote or spread-out teams may find an ICHRA worth evaluating alongside a group plan.
Explore how different benefit approaches can work for different employee groups.
Medical and dental offices, restaurants, contractors, nonprofits, and family-owned companies.
Mai Huynh, MBA, MHA
Independent Agent · HealthMarkets
I spent more than 15 years inside hospitals, physician practices, and health plans, and I hold both an MBA and an MHA. That combination helps me explain how health coverage actually works — and weigh it against your budget, your team, and your goals as a business owner.
15+ Years
Inside hospitals, physician practices, and health plans
MBA
Business strategy, budgeting, and cost analysis
MHA
Healthcare administration and operations
Independent
Options from multiple insurance companies through HealthMarkets
What I do — and don't do: I'm a licensed health and life insurance agent (Colorado #940714) who helps you understand and compare coverage options. I'm not a tax advisor, attorney, or benefits administrator. For tax treatment, legal compliance, and ICHRA administration, I'll recommend you work with qualified professionals.
A clear, structured process — from first conversation to every renewal after.
We talk through your team, your goals, your budget, and what you offer today.
We review your workforce details and any current plan or renewal to understand your starting point.
You see group plans, ICHRA, and supplemental options compared in plain language.
I help with enrollment and stay your point of contact for questions, changes, and each renewal.
Share a few details about your business and I'll come prepared with options worth discussing. No cost and no obligation.
Straight answers to the questions business owners ask most. Have one that isn't here? Let's talk.
HealthMarkets Insurance Agency offers the opportunity to enroll in either Qualified Health Plans (QHPs) through the Health Insurance Marketplace or off-Marketplace coverage. Please visit HealthCare.gov for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered through the Marketplace.
A free, no-obligation conversation about your team, your budget, and your options — group plans, ICHRA, and supplemental benefits.
Prefer another way to reach me?
Call720-362-3044Emailmhuynh@healthmarkets.comSend a messageContact MaiLicensed in Colorado #940714
