Diverse team joining hands representing group medical insurance coverage

Group Benefits

Group Health Insurance for Employers

Help your employees stay protected from rising medical costs while strengthening retention, morale, and long-term business stability.

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Health Benefits Drive Hiring & Retention

In today's competitive labor market, health benefits aren't optional — they're expected. There are multiple types of group health plans available for employers and their families. As costs rise, it's critical to balance affordability with meaningful coverage. Enduron Insurance works with top-rated carriers nationwide to compare options and design a healthcare plan that fits your workforce and your budget.

88% of employers rank health benefits as critical to their workforce strategy

76% of employees say health coverage is their top priority when evaluating a job

6.5% projected annual increase in employer health insurance expenses

Employer Benefits

Patient consulting with doctor during an office visit

Doctor & Office Visits

Primary care, specialist consultations, and routine checkups for employees and their families.

Doctor examining patient in hospital bed representing inpatient care coverage

Hospital & Inpatient Care

Coverage for hospital stays, surgeries, and inpatient treatments when serious care is needed.

Prescription medications covered under group health insurance

Prescription Drug Coverage

Tiered formularies covering generic, preferred, non-preferred, and specialty medications.

Preventive & Wellness Care

Annual physicals, screenings, immunizations, and wellness programs at no added cost.

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Mental Health & Behavioral

Therapy, counseling, and substance abuse treatment to support total employee well-being.

Hospital emergency sign representing urgent care coverage

Emergency & Urgent Care

ER visits, ambulance services, and urgent care access when the unexpected happens.

Understanding Your ACA Responsibilities

Under the Affordable Care Act (ACA), organizations with 50 or more full-time-equivalent employees are required to provide health insurance coverage. Failing to comply can result in significant financial penalties.

If your organization has fewer than 50 employees and you choose to offer health insurance, you may qualify for the Small Business Health Care Tax Credit — a meaningful incentive that helps offset the cost of coverage.

Enduron Insurance helps you understand your obligations, compliance requirements, and potential tax advantages — so you can move forward confidently.

Independent Guidance for Employers

Enduron Insurance partners with leading insurers nationwide to compare rates, plan designs, and coverage structures. As an independent agency, we prioritize what's best for your business — not a single carrier.

There's no one-size-fits-all solution. Your coverage should reflect your organization's unique needs. We help you:

Evaluate plan options

Compare costs and benefits

Ensure ACA compliance

Build sustainable long-term coverage

1

We Listen

We begin by understanding your workforce, budget constraints, and the level of coverage your employees need.

2

We Compare

From there, we evaluate plans from top-rated carriers, comparing rates, networks, prescription tiers, and compliance requirements.

3

We Guide

Lastly, we help you implement a benefits package that protects your employees and supports your organization for the long term.

Build a Benefits Package Your Team Will Value

Strong health coverage attracts top talent and protects your organization's future. Schedule your employer benefits consultation today.

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What are my responsibilities under the ACA?

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. We're here to discuss your options.

What is COBRA, and how does it affect my business?

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.

We can help you understand COBRA, and whether it applies to your situation.

What type of employee benefits are best for my workforce?

Your business or organization is unique. We're here to understand your employees' needs for 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.

Is prescription drug coverage for employees required by the ACA?

The Affordable Care Act (ACA) set a standard of essential health benefits, which includes prescription drug coverage on all individual and small group health plans. Large group plans are not required to cover the ACA's essential health benefits other than preventive care. However, most employers provide prescription drug coverage.

We can help you find the best options for your business or organization.

What level of prescription drug coverage should I have in my plan?

Different employee health insurance plans cover different categories of prescription drugs. Each plan has a list of medications that it covers. Some may be covered automatically, while others may not be. We're here to learn what level of drug coverage will work for your needs.