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Benefits of Using a Broker To Purchase Small Business Health Insurance

Selecting the right group health insurance plan for your company can be overwhelming. Learn the benefits of using a broker instead of going it alone.
Monday, 27 December 2021

Selecting the right group health insurance plan for your company can be overwhelming. Learn the benefits of using a broker instead of going it alone.

To Get Health Insurance For Your Small Business, Talk To People In The Business of Health Insurance

If you want to get health insurance for your Arizona small business, the benefits of using a broker to do so are just as significant as the benefits of providing health insurance to your employees. That is because understanding the nuances of group health insurance, sorting through your options, and figuring out which plan is right for your company can be a time-consuming and utterly confusing process for small business owners. 

Why do so many Arizona businesses decide to reap the benefits of using a broker to purchase small business health insurance? Does a simple, easy-to-use, and affordable health plan that keeps your employees and your budget happy sound good to you? Then a small business health insurance broker is the right choice for you.

The following are just a few of the benefits of using a broker when looking for group health coverage for your small business: 

Health Insurance Brokers Know Their Stuff

At Southwest Health Insurance Experts in Scottsdale, we know that even the savviest, smartest, and most sophisticated small business owners can quickly become overwhelmed by the complexities of group health coverage. Comparing multiple plans from several different insurance companies while also trying to match those plans with your business’s specific needs can be a Herculean task. Even the language of health insurance may seem incomprehensible and foreign. 

An experienced small business health insurance broker will translate that language and put things in simple, understandable terms. These independent brokers know the health insurance features employees want the most, and are experts at finding flexible plans that offer the best options, both for employees and for your bottom line. Simply put, connecting small businesses with the program best suited to their needs is how small business health insurance brokers spend their days. 

Related: Let’s Get Real: Finding A Health Insurance Broker Near Me Is A Hassle. Read This!

A Broker Will Give You Objective Guidance About Coverage Options

Independent small business health insurance brokers will work with several different carriers, none of which control the advice and choices the broker recommends. That means they select coverage options for your company based on unbiased and objective analysis focused on your needs, not their own.  

This is one of the key benefits of using a broker to obtain group health insurance over an insurance agent. Because agents work for a specific health insurance company, they have a vested interest in which group health insurance plan you choose. Independent brokers, on the other hand, have no such prejudice for one plan over another.

A Broker Will Save You Tons of Time

As a small business owner, you undoubtedly have a million things to do to run your company effectively. Going through a whole pile of different insurance plans and thousands of pages of plan documents is hardly the best use of your valuable time. But that is exactly how brokers can and do spend their time. 

So, let a small business health insurance broker do the legwork while you focus on running your business. Brokers will narrow your choices to those plans which provide you with the best, most affordable coverage for your budget. Your broker will help you and your employees enroll in coverage, pay premiums, and utilize benefits. Tasks that might take you ten hours may take ten minutes for an experienced small business health insurance broker. 

A Health Insurance Broker Will Be There When You Need Them

Selecting and enrolling in a small business health insurance plan is just the start of your health insurance coverage journey. As years go by, plans or laws may change, rates may rise significantly, your company’s needs and those of your employees may be different, and new concerns may arise. By working with an Arizona small business health insurance broker, you’ll get answers to any questions that come up and help with any challenges or issues you may face. Your broker can work with you to review or modify your coverage each year to ensure that your plan keeps up with whatever changes come.

One Of The Best Benefits Of Using A Broker: A Broker Won’t Cost You Anything  

If you are reluctant to reach out to a broker because you’re worried about how much their services will cost, you’ll be happy to know that using an independent health insurance broker will cost you precisely zero dollars. You will not need to pay a small business health insurance broker any type of fee, nor will the cost of your insurance coverage increase because you used a broker instead of purchasing coverage on your own. The quotes that your broker provides you already take into consideration their commission, so your out-of-pocket costs will be the same. 

Get The Benefits of Using a Broker That Has Helped Arizona Businesses For Over 30 Years

If you are thinking about obtaining group health insurance coverage for your employees, you should also consider discussing your options with Southwest Health Insurance Experts, an experienced Arizona small business and individual health insurance broker. We have over 30 years of experience servicing the health insurance needs of companies in Scottsdale and throughout Arizona. We are committed to answering your questions, addressing your concerns, and providing solutions that can keep you and your workforce safe and healthy during these challenging times. 

To obtain a quote and arrange a free consultation to discuss your small business health insurance needs, contact Southwest Health Insurance Experts today.  

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What our Clients Say

Thanks so much for getting my health plan done for me.  It was a real surprise after being turned down twice, to finally get approved.  And what a relief!  Thanks again! - D. D. (Tucson)