Smart, Affordable Health Benefits for Small Teams

Tailored coverage for businesses with 2-50 employees. Simple Solutions that balance quality, cost and flexibility.

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Group Health Benefits- 2~50 Employees

Flexible Insurance Solutions Tailored to Your Needs in Missouri and Illinois
 At JHW Insurance Partners, we specialize in health and life insurance solutions for small businesses. Our customizable plans are built to be both affordable and adaptable, giving employers and employees peace of mind. We work with you to design coverage that fits your budget, team size, and long-term goals—so you can focus on what matters most: growing your business.

Small Group Health Benefits made simple.

Call Us 636-265-0995
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2–50 Employees

Budget-Friendly

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Top Carriers

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Wellness + Rx

Quick Summary

We compare plan types and funding models side-by-side, then design a benefits package that fits your people and your price point.

Why Offer Group Health?

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Benefits that protect your people — and your bottom line.

Attract & retain talent

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Affordable options for employees

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Improve productivity & morale

Unlock employer tax advantages

Funding Models

Choose the structure that aligns with your risk tolerance and cash flow.

Fully Funded

Fixed monthly premiums
Carrier takes all risk
Simple & predictable

Level Funded

Looks like group insurance
Potential surplus refunds
Good control & savings

Self-Funded

Pay claims directly
Lower fixed costs
higher risk exposure

ICHRA/QSEHRA

Set employer allowance
Employee picks plans
Budget friendly & Flexible

Plan Types at a Glance

HMO Plans


Lower monthly premiums
PCP Referral required
Tight Network

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We’re help you choose the right network, referrals, and deductible structure.

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PPO Plans


Largest network
No Referral needed
Higher monthly premiums

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EPO Plans


In-network only
No Referrals
Mid-range costs

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HDHP/HSA Plans


Lower monthly premiums
Higher deductibles
HSA eligible

Carrier Snapshot

A product label for Anthem, featuring the Anthem logo in blue, with additional medical symbols including a blue cross and a shield with a medical caduceus and a stethoscope.
UnitedHealthcare logo with a stylized shield icon and the text 'UnitedHealthcare' in blue.
Humana logo in black and green

Access to major regional and national carriers. Logos shown for Illustration.

The Cigna logo featuring a stylized tree with green leaves and an orange circle, with the company name in blue next to it.
A logo with a purple heart symbol followed by the word 'aetna' in purple text.
The logo for Zegel is displayed, featuring a circular icon with a stylized 'Z' and the text 'Zegel' written beside it in blue.
Black background with a green Delta Dental logo and text
Ameritas logo with a red lion mascot.

Sample Pricing ( Illustrative)

Average monthly amounts per employee for small groups. Your Actual will vary.

Missouri

Employer $1,250

Employee $569

Total $1,819

Estimates are for educational purposes only. Customized based on your team size & Industry.

Illinois

Employer $1,310

Employee $595

Total $1,905

Our Process

Discovery

We review your census, goals and budget.

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Compare

Side-by-Side options: funding + plan types

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Implement

Carrier setup, compliance, and onboarding.

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Renew

Annual review and negotiations.

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FAQ

How do I know which funding model is right?

We’ll look at you r census, budget and risk tolerance and model options side by side to recommend fit.

Short, clear answers for common questions.

What about dental, vision, life and disability?

We can bundle medical with supplemental benefits to create a completive well-rounded package.

Can small teams use ICHRA?

Yes- ICHRA and QSEHRA work well for very small teams or variable workforces, giving each employee choice.

Do you help with renewals?

Absolutely. We mange renewals, carrier negotiations, and employee communication.

Disclaimer: Content is for educational purposes and does not constitute legal, tax, or accounting advice. Benefit availability, network access and pricing vary by carrier, geography and underwriting. Customized quotes available based on your team size and Industry.

ADA if you need content in an alternative format, contact team@jhwinsurancepartners.com