1. 5527 POINTS
    Marlin McKelvy
    President, Consumer Directed Benefit Solutions, Memphis, Tennessee
    There are two paths to getting group health insurance for your business.  First, the "do it yourself" approach where you can call up or go to a health insurance carrier's web site and request a quote.  Of course, this assumes you know all the health insurance carrier options in your state and that you will know what information you need to have available to get a quote.  You may also discover that a health insurance carrier doesn't work directly with the group consumer and they will recommend you seek out an insurance broker.  Keep in mind that a group health insurance carrier can only talk to you about their products and services so you can't expect them to help you comparison shop and, of course, every health insurance carrier thinks their products are the best.

    This brings us to the appropriate option, seek out a group health insurance broker.  Do a web search, ask a fellow businessperson or friend but find an experienced, knowledgeable employee benefits professional to guide you through this process.  There is a lot involved in setting up an employee benefits program and with the market changes imposed by Obamacare the task has become even more complex and demanding.

    If you are needing help in setting up or reviewing your group health plan contact me at www.cdbsagency.com.
    Answered on April 21, 2014
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