Group Health Insurance for Small Businesses
Offering health benefits is one of the most effective ways to attract and keep good employees. But navigating group health plans as a small business can feel overwhelming — especially when you're competing against larger companies with bigger budgets.
The good news: small businesses now have more options than ever, including self-funded group plans that give you access to the same large-group networks and benefits that Fortune 500 companies offer their employees.
The LifeX Research PPO — A New Kind of Group Plan
LifeX Research Self-Funded ERISA Group Plan
LifeX is changing healthcare in America. This Self-Funded ERISA Group Health Plan allows individuals and families to join as employees — working just 1 hour per year — and access the same large-group benefits and networks previously available only to employees of major corporations.
How it works: You answer healthcare questionnaires and become an employee of the LifeX Research company. By working as a technical employee for just 1 hour a year, you gain access to large-group health benefits and network options.
Your valuable participation also contributes to studies in longevity, aging, wellness, and preventive treatments.
- Access to PHCS or Cigna PPO national networks
- 12 different plan designs to choose from
- Large group benefits at individual/small group pricing
- Self-funded structure means more flexibility and often lower costs
- ERISA-governed for strong federal consumer protections
Available Plan Designs
LifeX PPO products offer 12 different plan designs with access to national PPO network options:
Plan Designs Available
National PPO Networks (PHCS & Cigna)
Hour/Year Required
Visit Limit (VL) Plans and Major Medical options are available. Contact me for a full breakdown of plan designs, deductibles, and out-of-pocket maximums.
Traditional Small Group Health Plans
In addition to the LifeX option, I also help small businesses compare traditional group health insurance options through major carriers. These plans work like standard employer-sponsored insurance:
- Employer pays a portion of the premium, employees pay the rest
- Coverage typically includes medical, with optional dental and vision
- Premiums may be tax-deductible as a business expense
- Helps attract and retain quality employees
- ACA-compliant coverage for businesses with 50+ employees
How I Help Business Owners
- Compare all available group plan options in your area
- Explain the LifeX ERISA option and whether it's right for your situation
- Help employees understand their benefits during open enrollment
- Handle carrier paperwork and enrollment administration
- Review your group plan annually to make sure costs stay competitive
My services are free to you — carriers pay my commission.