Group Health Insurance in Mount Prospect & Beyond
Support Your Team With the Right Health Benefits
Offering health insurance is one of the strongest ways to attract and retain employees — and many small businesses aren’t sure where to begin. While our primary focus is property and casualty insurance, Held Insurance Agency assists clients with group health planning as a value-added service. We help you understand your options, gather quotes, and navigate health carriers so you can offer meaningful, affordable benefits for your team. Whether you’re providing health insurance for the first time or reviewing existing plans, we make the process clear and approachable.
What’s Included in Group Health Coverage
Medical Plans
Choose from HMOs, PPOs, EPOs, high-deductible health plans (HDHPs), and HSA-compatible options. We explain differences in plain language so you can make confident decisions.
Employer Contributions
Most group plans involve the employer contributing a portion of employee premiums. We help you explore contribution strategies that balance affordability with competitiveness.
Dental & Vision Option
We can assist with group dental, vision, and additional ancillary benefits to create a well-rounded package for your employees.
Life & Disability Add-Ons
Many carriers offer group life, short-term disability, and long-term disability options that integrate with medical plans for comprehensive protection.
Compliance & Enrollment Support
Group health comes with administrative requirements. We help guide you through enrollment, eligibility, renewal timelines, and carrier processes.
Connection to Reputable Carriers
We gather quotes from trusted group health insurers in Illinois and present options tailored to your team size, budget, and benefit goals.
What to Expect From Our Team
We begin by learning about your team: number of employees, coverage needs, budget, and whether dependents will be included. Then we work with reputable carriers to gather quotes and compare plan structures like deductibles, copays, networks, premiums, and employer contribution requirements. Our goal is to simplify the decision-making process — ensuring your benefits program is competitive and easy to manage. If your needs extend beyond our in-house scope, we’ll connect you with trusted health specialists while staying involved to support you throughout the process.
Understanding Group Health Insurance Options
Below is a simplified comparison to help you understand common plan types.
| Coverage Type | What It Covers | Why It Matters |
|---|---|---|
| HMO | Lower premiums, network-based care, PCP required | Cost-conscious teams who prefer coordinated care |
| PPO | Flexible network, no referrals needed | Employees who want freedom to choose providers |
| HDHP + HSA | High deductibles, tax-advantaged savings | Businesses seeking lower premiums & long-term savings options |
| Dental/Vision | Routine care & exams | Enhancing employee satisfaction and retention |
| Life/Disability | Income protection benefits | Strengthening a core benefits package |
Have questions about small business health options in Illinois? We’re here to help.
Common Questions About Group Health Insurance
How can I provide health insurance for my employees?
Start by determining your budget and team size. We gather quotes, explain plan types, and guide you through enrollment to make the process simple.
What are small business health insurance options in Illinois?
Options range from HMOs and PPOs to HDHP/HSA plans, plus dental, vision, and life/disability add-ons. We help you compare what fits best.
Do I have to offer health insurance as a small business?
Businesses under 50 full-time employees aren’t required by law, but offering benefits helps attract and retain talent.
Can I offer multiple plan choices?
Many carriers allow employers to present more than one plan option. We help structure and communicate those choices.
Is group health expensive?
Costs vary by plan, carrier, and employer contribution. We help you explore competitive options across multiple insurers.
Build a Benefits Package Your Team Will Appreciate
If health benefits are on your priority list, we’ll help you navigate options and connect you with the right solutions. Let’s build a plan that supports your employees and strengthens your business.
