Group health insurance quotes
A group health quote is built from your employees, not from a price list. Here is what a broker will ask for, how long it takes and what to read on each quote, followed by the form that puts you in touch with one.
We do not quote or estimate rates ourselves. The broker we introduce you to does.
A free matching service for employers, not a broker or insurer. We introduce you to a licensed broker and tell you who they are before anything is shared. No plan, tax or legal advice. How it works
The census: what a broker needs to quote
A spreadsheet with one row per eligible employee. No medical information is needed for a fully insured small group quote.
| Item | Needed | Why |
|---|---|---|
| Employee name or initials | Required | To match enrollments later |
| Date of birth or age | Required | Age bands set small group rates in most states |
| Home ZIP code | Required | Rates and networks depend on where people live |
| Cover tier wanted | Required | Employee only, plus spouse, plus children, or family |
| Tobacco use | Sometimes | Some states and carriers allow a tobacco surcharge |
| Hours and hire date | Helpful | Shows who is eligible and who passes the waiting period |
| Current plan and renewal | If you have one | Your current plan summary and the carrier's renewal letter |
| Claims report | Larger groups | Used to price level-funded, self-funded and large group plans |
How premiums are set: healthcare.gov. Small group rules: 42 U.S.C. 18024. Read October 28, 2026.
Six things to read on every quote
Two quotes are only comparable when both show these. Ask the broker to put them in one table.
Premium per person, per tier
Not just a total. You need it to set contributions and to see how each employee is affected.
Deductible and out-of-pocket maximum
What employees pay before the plan pays, and the most they can pay in a year. The KFF average single deductible was $1,955 in 2026.
Network type and size
HMO, PPO, EPO or POS, and whether your employees' doctors and hospitals are in it.
Participation and contribution rules
What share of eligible staff must enroll and what you must pay to get the plan.
Funding type
Fully insured, level-funded or self-funded. Level-funded and self-funded quotes carry stop-loss terms that need reading.
How long the rate is guaranteed
Usually twelve months for small group. Check any mid-year adjustments or rate caps.
From form to quotes
You send the form
ZIP code, headcount, current cover and renewal date. About two minutes.
We name a broker
Within one business day, with their license number. You say yes or no.
Census and call
The broker asks for the census and talks through what you want.
Quotes side by side
Usually days for small group, longer for level-funded or larger groups.
Quote questions
Can I get group health insurance quotes online?
You can see SHOP plans and estimate costs on healthcare.gov, and some carriers show sample rates. A real group quote needs a census, so most employers ask a broker, who can request quotes from several carriers at once.
How long do group health insurance quotes take?
For a fully insured small group with a complete census, often a few days. Level-funded and larger groups can take one to three weeks, especially if health questionnaires or claims data are needed.
Do employees have to answer health questions for a quote?
Not for a fully insured small group plan: carriers cannot use health status there. Level-funded, self-funded and some large group quotes may ask for health questionnaires or claims history.
Why can a broker not tell me the price straight away?
Because small group premiums are built from each employee's age, ZIP code and cover tier, and depend on the plan, carrier and funding type. The census is what turns a guess into a quote.
Will you send me quotes?
No. We are not licensed to quote or discuss rates. We introduce you to a licensed broker who prepares quotes for your business. General information for employers, not insurance, tax or legal advice. A licensed broker can tell you what applies to your business.
Ask a licensed broker for quotes
Three short steps: where the business is, what you have now, and who to speak to. It takes about two minutes and asks nothing about anyone's health.
- Free for employers. The broker pays us a flat fee per introduction.
- One broker, named to you first, with their state license number.
- No advice from us. Plans, rates and tax questions go to the licensed broker.
We are a free matching service, not a broker or insurer, and we do not quote or recommend plans. We look for a licensed benefits broker who suits your business and tell you who it is; your enquiry goes to them only with your go-ahead.
Thanks, your enquiry is in.
- Within one business day we will email or call to tell you which licensed benefits broker we have found, with their license number.
- Your details reach that broker only if you say yes.
- The broker reviews your renewal or your options and talks you through them. Whether to work with them is your choice. No marketing from us, ever.