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Health care reform requires almost everyone to have health insurance starting January 1, 2014. The law also provides substantial subsidies to offset the cost if you do not qualify for coverage through your work.

If you don't have insurance now, it may be more affordable than you think. If you already have insurance, you may be able to reduce your cost.

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If you currently offer health insurance to your employees, health care reform laws provide many new strategies that may lower your costs.

If you don't provide benefits now, there are new ways to offer benefits that may be much more affordable than options you have considered in the past.

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Large employers need to evaluate their options to comply with the Employer Mandate that requires them to provide coverage to their employees in 2015. Carefully planning for and managing plan design, eligibility and reporting requirement are an important part of the process.

Strategic planning is an essential part of any employers benefit plan.

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Small Employer Plans

Large Employer Plans

Individual & Family Plans