Compare Top Group Health Insurance Options for Businesses

Compare traditional group health insurance, Section 125 Cafeteria Plans, HealthShare programs, and individual market coverage to find the best fit for your employee count, industry, and budget.

Why Choose Summit Health Benefits?

Summit Health Benefits delivers employer-sponsored healthcare at $0 net cost through Section 125 FICA tax savings — compared to $400–$800 per employee per month for traditional group health insurance.

Plan Comparison: Section 125 vs Traditional Group Insurance

Traditional group plans require direct employer premium contributions averaging $6,000 per employee per year. Section 125 Cafeteria Plans generate $91.81 per employee per month in FICA savings that fund equivalent day-to-day coverage at zero direct cost.

Section 125 vs Traditional Group Health Insurance

Section 125 plans cover 90% of routine healthcare needs including telemedicine, prescriptions, dental, vision, and mental health. Traditional group insurance adds hospitalization and major medical coverage but at 10–20× the monthly cost.

Section 125 vs HealthShare Programs

HealthShare programs are not insurance but cost-sharing memberships. The Summit Premium Plan combines Section 125 tax advantages with HealthShare major medical coverage for $125 per employee per month — far below traditional group insurance rates.

Best Value for Small-to-Medium Businesses

For businesses with 5 to 200 W-2 employees, Section 125 delivers the strongest cost-to-benefit ratio. The plan is fully funded by FICA savings, requires no employer budget line, and covers full-time and part-time employees equally.

Ready to Make the Switch?

Most employers switch from traditional group insurance or from no coverage at all. Implementation takes 10–14 business days. No cancellation fees on your current plan required before starting a Summit Health consultation.