Medical Health Insurance
Your team depends on reliable health coverage. Your local agent will help you design a medical plan that protects your employees and controls costs for your business.
Why does your business need it?
- Federal law requires coverage for large employers
- Health benefits help recruit and retain talent
- The right plan can help manage rising medical costs
- Poor benefits can drive top employees away
What does our coverage do?
- Connects you to affordable plan options
- Protects your team from major medical costs
- Supports compliance with the ACA’s rules
- Offers flexible PPO, HMO and HSA plans
Protect the health of your team — and your business.
Medical issues can happen any time, affecting your people and your operations. Comprehensive health coverage helps keep care accessible, costs manageable and your workforce healthy.
Talk to an agent
ACA penalties
Failing to offer coverage can lead to costly IRS fines and legal fees for employers.
Rising premiums
Without plan review, annual rate increases can erode profit margins.
Employee turnover
Workers often leave for jobs with better health benefits and lower deductibles.
Competitive disadvantage
Weak health plans make hiring harder in tight labor markets.
Unclear coverage
Employees who don’t understand benefits delay care and reduce productivity.
Our employee medical insurance options include
PPO Plans
Preferred Provider Organization plans have contracts with a network of participating medical providers, such as hospitals and doctors.
HMO Plans
Health Maintenance Organization plans usually provide care with doctors and others who work for, or contract with, the HMO.
Frequently asked questions about employee medical insurance
Under the Affordable Care Act (ACA), if your organization has 50 or more full-time equivalent employees, you are required to provide health insurance.
If your organization has fewer than 50 employees, and you want to provide them with health insurance, you may also qualify for the ACA’s Small Business Health Care Tax Credit. Talk to your agent about your options.
The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives employees who would otherwise lose their coverage the right to choose to continue group health benefits provided by their group health plan for a limited time. COBRA covers situations such as job loss, reduction in hours or transition to a new job, as well as death, divorce and other life events.
Your Highstreet agent can help you understand COBRA and whether it applies to your situation.
Your business or organization is unique. Your Highstreet agent is here to really understand your employees’ needs for employee health and wellness as well as the realities of your budget. There is no one-size-fits-all solution, but there are options that are just right for you.
Numbers to know
Employer priority
88%
of employers rank health coverage as their top benefit. (SHRM, 2025)
Job changes
42%
of employees would switch jobs for better health plans. (Entrepreneur.com, 2025)
Coverage access
89%
of full-time workers have access to medical benefits. (Bureau of Labor Statistics, 2025)
