Choosing the Right Group Health Insurance Plan for Your Business

Choosing a group health insurance plan for your business isn’t just a checkbox—it’s one of the most important investments you can make in your team and your company’s future. Whether you're a small business in Plattsburgh or a growing team across the North Country, offering quality health coverage helps you attract talent, retain employees, and show you genuinely care.

At Northern Insuring, we’ve been helping local businesses navigate group health plans for decades. Here’s what to consider when choosing the right coverage for your team.

Why Group Health Insurance Matters

In today’s competitive job market, employees value more than just a paycheck—they want benefits that protect their health and financial wellbeing. According to AHIP, employer-provided health coverage plays a critically important role in employee retention—77% of workers say it’s essential to their decision to stay.

Offering quality group health insurance isn’t just a perk—it’s a strategic move to keep your team motivated and reduce costly turnover.

Key Factors to Consider

1. Company Size & Budget

Start by evaluating how many employees you have and how much you’re willing (or able) to contribute toward monthly premiums. Employers typically pay at least 50% of the premium, but this can vary. Our team at Northern Insuring can help you explore options that offer value without breaking your budget.

2. Plan Types

There are several types of group health plans to choose from:

• HMO (Health Maintenance Organization): Lower costs, but a more limited network of providers.

• PPO (Preferred Provider Organization): Higher flexibility in choosing doctors and specialists.

• EPO (Exclusive Provider Organization): Like an HMO, but with more provider options—often no referrals needed.

• High Deductible Health Plans (HDHPs): Lower monthly premiums paired with higher deductibles; often used with HSAs.

Each has pros and cons depending on your team’s needs, and we can walk you through the details.

3. Employee Needs & Preferences

Consider your employees’ demographics. Are they mostly young and single? Do they have families? Are they managing chronic conditions? The right plan balances coverage for preventative care, specialty services, and affordability. A quick anonymous employee survey can offer valuable insights.

4. Networks & Provider Access

Make sure your plan gives employees access to trusted local doctors and hospitals. We often hear from North Country business owners who want to ensure their teams can stay close to home for care—something we can help build into your plan.

5. Extra Benefits

Today’s plans go beyond just medical. You may want to offer dental, vision, life/disability insurance, telehealth, and voluntary critical illness policies. Bundling these can make your plan more attractive without significantly increasing cost.

Let Northern Insuring Guide You

Choosing a group health plan can feel overwhelming—but you don’t have to figure it out alone. At Northern Insuring, we partner with New York State–approved carriers and national providers to find a solution tailored to your workforce, budget, and goals.

We’ll help you:

• Compare plan types and rates

• Understand compliance and tax credit eligibility

• Educate your employees on their options

• Build a long-term benefits strategy that grows with your business

Get Help When You Need It

Need help? Contact the team at Northern Insuring Agency. Our professionals are eager to assist you. They can help you identify which personal insurance policy is the best option.

In today's ever-changing world, having the right coverage is more important than ever.

Get in touch today for a quote! Northern Insuring will simplify the complicated world of insurance.