Renewal season is coming, and most businesses never actually see real rate numbers until their broker sends over a formal quote. This 2026 rate guide changes that.

Inside, you'll find six plan tiers with real monthly premiums broken out by employee only, spouse, child, and family coverage, plus a quick guide to which plan genuinely fits which type of team.

• Plans starting at $334/mo (employee only), with HSA options built in
• PHCS and Cigna network access, plus optional supplemental benefit packages
• Every plan includes unlimited $0-copay telemedicine and behavioral health support
• $0 copay preventive care, plus group life insurance included on most tiers
• Optional dental and vision add-ons at group rates through Open PPO and VSP

Businesses that compare rates before renewing typically save between 20-60% versus traditional carriers, with equal or better coverage.

See the full rate guide and find the plan that genuinely fits your team.

Most business owners have never actually seen their current group health plan compared feature by feature against the alternatives. This side-by-side comparison changes that.

A few of the differences that stand out between traditional national carriers and alternative group plans:

• Monthly premiums starting at $334/mo, versus $700-$1,200+ typical with traditional carriers
• Access to multiple national PPO networks (Cigna, PHCS, and more), instead of just one
• 8+ plan types, including HSA, Copay, EPO, and Value plans, versus 2-3 limited options
• Unlimited $0-copay telemedicine and behavioral health, plus built-in supplemental benefits
• Bundled dental, vision, and life insurance, versus separate policies and separate bills

Businesses that move from traditional national carriers to alternative group plans see average premium savings between 20-60%, with the same trusted PPO networks and more included benefits.

See the full comparison and find out exactly where your business stands.

Business owners rarely discover their group health insurance plan is overpriced until they compare it against what's genuinely available right now. This short self-evaluation checklist changes that.

Answer honestly. If you check three or more boxes, it's a strong sign you're due for a second opinion:

• Premiums increased again this year, and you didn't shop other carriers first
• Dental and vision are billed separately as standalone policies
• No telemedicine benefit, or employees still pay a copay for virtual visits
• You manage several different insurance vendors for health, dental, vision, and life

Businesses that move from traditional national carriers to alternative group plans see average premium savings between 20-60%, without sacrificing PPO network access or coverage quality.

Run through the checklist and see exactly where your business genuinely stands.

Most employers assume a bigger-name carrier means better coverage for their team. In practice, national carriers carry heavy overhead, and employees rarely see the difference in their actual benefits day to day.

This guide breaks down how a smarter group benefits structure delivers the same quality coverage for 20-60% less, using real numbers instead of guesswork or sales pitches.

Inside, you'll get:

• A full side-by-side cost table: traditional carrier vs. group benefits plan, category by category
• Real savings scenarios for 5, 10, and 25-person teams, with monthly and annual numbers
• What's covered: $0 copay telemedicine, mental health, dental, vision, HSA, and life insurance
• Why the PHCS network still gives employees access to hundreds of thousands of providers
• Straight answers to the questions employers ask most before switching plans

Get the guide and see what your own team could be saving this year.

Renewal season is coming, and most businesses never actually see real rate numbers until their broker sends over a formal quote. This 2026 rate guide changes that.

Inside, you'll find six plan tiers with real monthly premiums broken out by employee only, spouse, child, and family coverage, plus a quick guide to which plan genuinely fits which type of team.

• Plans starting at $334/mo (employee only), with HSA options built in
• PHCS and Cigna network access, plus optional supplemental benefit packages
• Every plan includes unlimited $0-copay telemedicine and behavioral health support
• $0 copay preventive care, plus group life insurance included on most tiers
• Optional dental and vision add-ons at group rates through Open PPO and VSP

Businesses that compare rates before renewing typically save between 20-60% versus traditional carriers, with equal or better coverage.

See the full rate guide and find the plan that genuinely fits your team.

Most business owners have never actually seen their current group health plan compared feature by feature against the alternatives. This side-by-side comparison changes that.

A few of the differences that stand out between traditional national carriers and alternative group plans:

• Monthly premiums starting at $334/mo, versus $700-$1,200+ typical with traditional carriers
• Access to multiple national PPO networks (Cigna, PHCS, and more), instead of just one
• 8+ plan types, including HSA, Copay, EPO, and Value plans, versus 2-3 limited options
• Unlimited $0-copay telemedicine and behavioral health, plus built-in supplemental benefits
• Bundled dental, vision, and life insurance, versus separate policies and separate bills

Businesses that move from traditional national carriers to alternative group plans see average premium savings between 20-60%, with the same trusted PPO networks and more included benefits.

See the full comparison and find out exactly where your business stands.

Business owners rarely discover their group health insurance plan is overpriced until they compare it against what's genuinely available right now. This short self-evaluation checklist changes that.

Answer honestly. If you check three or more boxes, it's a strong sign you're due for a second opinion:

• Premiums increased again this year, and you didn't shop other carriers first
• Dental and vision are billed separately as standalone policies
• No telemedicine benefit, or employees still pay a copay for virtual visits
• You manage several different insurance vendors for health, dental, vision, and life

Businesses that move from traditional national carriers to alternative group plans see average premium savings between 20-60%, without sacrificing PPO network access or coverage quality.

Run through the checklist and see exactly where your business genuinely stands.

Most employers assume a bigger-name carrier means better coverage for their team. In practice, national carriers carry heavy overhead, and employees rarely see the difference in their actual benefits day to day.

This guide breaks down how a smarter group benefits structure delivers the same quality coverage for 20-60% less, using real numbers instead of guesswork or sales pitches.

Inside, you'll get:

• A full side-by-side cost table: traditional carrier vs. group benefits plan, category by category
• Real savings scenarios for 5, 10, and 25-person teams, with monthly and annual numbers
• What's covered: $0 copay telemedicine, mental health, dental, vision, HSA, and life insurance
• Why the PHCS network still gives employees access to hundreds of thousands of providers
• Straight answers to the questions employers ask most before switching plans

Get the guide and see what your own team could be saving this year.