--- title: Group Insurance --- [Skip to content](https://www.eproassociates.com/group-insurance#main-content) [![ePro LOGO Dark](https://www.eproassociates.com/hs-fs/hubfs/ePro%20LOGO%20Dark.png?width=360&height=90&name=ePro%20LOGO%20Dark.png "ePro LOGO Dark")](https://www.eproassociates.com/?hsLang=en) English - [简体中文](https://www.eproassociates.com/zh-cn/group-insurance) - [English](https://www.eproassociates.com/group-insurance) [(888)-500-2578](tel:8885002578) English - [简体中文 (Chinese - Simplified)](https://www.eproassociates.com/zh-cn/group-insurance) - [English](https://www.eproassociates.com/group-insurance) - [English](https://www.eproassociates.com/group-insurance) - [简体中文 (Chinese - Simplified)](https://www.eproassociates.com/zh-cn/group-insurance) English Show submenu for translations [![](https://www.eproassociates.com/hs-fs/hubfs/ePro%20English%20Logo%20dark%20blue.webp?width=4000&height=1000&name=ePro%20English%20Logo%20dark%20blue.webp)](https://www.eproassociates.com/?hsLang=en) - [Home](https://www.eproassociates.com/) - [About](https://www.eproassociates.com/en/about) - [Medicare](https://www.eproassociates.com/en/medicare) - [Individual](https://www.eproassociates.com/individual) - [Group](https://www.eproassociates.com/group-insurance) - [Dental](https://www.eproassociates.com/dental) - [Life](https://www.eproassociates.com/en/life) - [Annuities](https://www.eproassociates.com/annuity) - [UHC Term & HPG](https://www.eproassociates.com/uhc-term) - [Blog](https://www.eproassociates.com/news) Open main navigation Close main navigation - [Home](https://www.eproassociates.com/) - [About](https://www.eproassociates.com/en/about) - [Medicare](https://www.eproassociates.com/en/medicare) - [Individual](https://www.eproassociates.com/individual) - [Group](https://www.eproassociates.com/group-insurance) - [Dental](https://www.eproassociates.com/dental) - [Life](https://www.eproassociates.com/en/life) - [Annuities](https://www.eproassociates.com/annuity) - [UHC Term & HPG](https://www.eproassociates.com/uhc-term) - [Blog](https://www.eproassociates.com/news) - - [English](https://www.eproassociates.com/group-insurance) - [简体中文 (Chinese - Simplified)](https://www.eproassociates.com/zh-cn/group-insurance) English Show submenu for translations - [Contact us](https://www.eproassociates.com/contact) [Contact us](https://www.eproassociates.com/contact?hsLang=en) English - [简体中文](https://www.eproassociates.com/zh-cn/group-insurance) - [English](https://www.eproassociates.com/group-insurance) GROUP INSURANCE FOR BUSINESSES # Smarter group insurance. Better coverage. Lower costs. Save on taxes, reduce premiums, and give your employees flexible health plan options — all with a partner who shops the market for you. [Get your free quote](https://epro.zohobookings.com/4052616000000072018) ![staff](https://www.eproassociates.com/hs-fs/hubfs/staff.png?width=1779&height=965&name=staff.png "staff") **WHY EPRO** ### Coverage that works harder for your business We help employers control costs without shortchanging their teams. Here's how. ## Tax advantages Group health premiums can often be paid with pre-tax dollars, lowering taxable income for the business and improving take-home efficiency for employees. Actual savings depend on your plan setup and applicable tax rules.   ### Multi-carrier shopping Rather than relying on a single insurer, we compare across many carriers to find competitive pricing and stronger coverage — matched to your group size and risk profile.   ### Self-funded options Self-funded plans let employers pay actual claims instead of fixed premiums — often reducing overall cost for healthier groups, with more transparency and control.   ### Year-round enrollment Add or update employees anytime — no waiting for a traditional open-enrollment window. Ideal for growing companies and seasonal hiring.   **COMPARE PLAN TYPES** ## **HMO, EPO, or PPO — which fits your team?** Each network type trades off cost against flexibility. We'll help you weigh them for your workforce. Compare plan types ## HMO, EPO, or PPO — which fits your team? Each network type trades off cost against flexibility. We'll help you weigh them for your workforce. | Feature | HMO Lowest cost | EPO Moderate cost | PPO Most flexible | | --- | --- | --- | --- | | Cost | **Lowest** | Moderate | Highest | | Network | Strict in-network only | In-network only | In- & out-of-network | | Referrals | Required | Not required | Not required | | Best for | Cost-focused groups comfortable staying in-network | Teams wanting balance between cost and flexibility | Maximum flexibility and provider choice | HMO Lowest cost Cost **Lowest** Network Strict in-network only Referrals Required Best for Cost-focused groups comfortable staying in-network EPO Moderate cost Cost Moderate Network In-network only Referrals Not required Best for Teams wanting balance between cost and flexibility PPO Most flexible Cost Highest Network In- & out-of-network Referrals Not required Best for Maximum flexibility and provider choice ## **Get an quote now** [Get quote](https://epro.zohobookings.com/4052616000000072018) **Common questions** ## **Frequently asked questions** How many employees do I need to offer a group plan? Requirements vary by carrier and state, but many group plans are available for small businesses — sometimes with as few as one or two eligible employees. We'll check what you qualify for based on your location and team size. How much can my business actually save on taxes? It depends on your plan structure, contributions, and applicable federal and state rules. Group premiums are often paid with pre-tax dollars, which can lower taxable income for both employer and employees. We'll walk through the specifics for your situation — and recommend confirming details with your tax advisor. What's the difference between fully-insured and self-funded? With a fully-insured plan you pay fixed premiums to a carrier who covers claims. With a self-funded plan your business pays actual claims directly, which can cost less for healthier groups and offers more transparency — though it carries more variability. We'll help you decide which fits your risk comfort. Can I add employees after the plan starts? Yes. One of the advantages of working with us is year-round flexibility — new hires can typically be added when they join, without waiting for an annual enrollment window. This page is for general informational purposes only and does not constitute tax, legal, or insurance advice. Plan availability, features, tax treatment, and savings depend on your business, location, group size, and applicable federal and state regulations, and are subject to carrier terms. Please consult a licensed ePro Associates agent and your tax professional for guidance specific to your business. ![ePro English Logo dark blue](https://www.eproassociates.com/hs-fs/hubfs/ePro%20English%20Logo%20dark%20blue.png?width=2000&height=500&name=ePro%20English%20Logo%20dark%20blue.png "ePro English Logo dark blue") [(888)-500-2578](tel:8885002578) [support@eproassociates.com](mailto:support@eproassociates.com) [envelope icon](mailto:support@eproassociates.com) [facebook-f icon](https://www.facebook.com/eProAssociates/) [linkedin-in icon](https://www.linkedin.com/company/epro-associates-inc?trk=public_profile_topcard-current-company) [Follow us on Facebook](https://www.xiaohongshu.com/user/profile/62e7e5ff000000001e01eec3?xhsshare=CopyLink&appuid=61a8f300000000001000be0f&apptime=1663855754) [Follow us on Facebook](https://www.youtube.com/channel/UCPj8i08Jbm5KQWVxbAg8jgQ) **About** > [Affordable Care Act](https://www.eproassociates.com/affordable-care-act?hsLang=en)> [Income Standards](https://www.eproassociates.com/income-standards?hsLang=en)> [Essential Benefits](https://www.eproassociates.com/essential-benefits?hsLang=en)> [Special Circumstances](https://www.eproassociates.com/en/special-circumstances?hsLang=en)> [Eligibility and Immigration](https://www.eproassociates.com/eligibility-and-immigration?hsLang=en)> [Privacy Policy](https://www.eproassociates.com/privacy-policy?hsLang=en) Product [>](https://www.eproassociates.com/privacy-policy?hsLang=en)[Dental Plans](https://www.eproassociates.com/dental?hsLang=en) > [Individual Plans](https://www.eproassociates.com?hsLang=en) > [Medicare Plans](https://www.eproassociates.com/en/medicare?hsLang=en) > [Life Insurance](https://www.eproassociates.com/en/life?hsLang=en) > [Annuities](https://www.eproassociates.com/annuity?hsLang=en)     © 2026, ePro Associates. 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