Employee Benefits Built Around Your Business
Compare traditional group insurance, level-funded plans, self-funded options, and ICHRAs.
Employee Benefits Built Around Your Business
Compare traditional group insurance, level-funded plans, self-funded options, and ICHRAs.
Helping Employers Navigate Employee Benefits
Clear guidance. More options. A benefits strategy built around your workforce and budget.
Choosing employee benefits involves more than comparing premiums. With more than 26 years of insurance experience, we help employers evaluate traditional group health insurance, level-funded and self-funded plans, and individual coverage strategies such as ICHRAs. We explain the costs, risks, and advantages of each option so you can build a benefits program that supports your employees, fits your budget, and aligns with your business goals.
Group Health Insurance Solutions
More Ways to Fund Employee Benefits
Every employer has different priorities. We help you compare traditional group insurance, level-funded and self-funded arrangements, and ICHRA strategies to find an approach that balances employee needs, predictable costs, flexibility, and financial risk.
Level-Funded
Fully Insured
Self-Funded
ICHRA plans
Which approach fits
A simple three-step process
Choosing employee benefits does not have to be overwhelming. We guide you through each step, from understanding your workforce and budget to comparing available options and supporting your plan after enrollment.
- ① Understand Your Needs
- ② Compare Your Options
- ③ Implement and Support Your Plan
What We Review With You
The lowest premium is not always the best value. We look beyond the initial quote to help you understand the full financial and practical impact of each option.
- Employer and employee premium costs
- Deductibles and out-of-pocket expenses
- Provider and prescription networks
- Plan funding and financial risk
- Employee eligibility and participation
- Administration and ongoing support
Frequently Asked Questions About Employee Benefits
How many employees do I need to offer group health insurance?
In many cases, a business may qualify for small-group health insurance with at least one eligible common-law employee in addition to the owner. Eligibility requirements can vary by insurance company, business structure, employee participation, and state rules. We review your situation before recommending a group plan or an alternative such as an ICHRA.
What is the difference between fully insured, level-funded, and self-funded coverage?
A fully insured plan transfers eligible claims risk to the insurance company in exchange for a fixed premium. Level-funded plans combine predictable monthly payments with some features of self-funding. Self-funded arrangements give employers greater control but also involve more claims risk and administrative responsibility.
Could an ICHRA work for my business?
An Individual Coverage Health Reimbursement Arrangement allows an employer to reimburse employees for qualifying individual health insurance premiums and, depending on the plan design, other eligible medical expenses. Whether an ICHRA is appropriate depends on your workforce, budget, employee classes, and the individual coverage available where employees live.
What information is needed to compare plans?
We generally need basic information about your business and eligible employees, including ages, ZIP codes, coverage status, dependent needs, and current benefits. Additional information may be required depending on the funding strategy and insurance company.
Can you help us after the plan is implemented?
Yes. We remain available to help with enrollment, employee questions, renewals, plan changes, and communication with the insurance company or plan administrator. Our relationship does not end when your coverage begins.
Is there an additional cost to work with RLee Insurance Solutions?
There is generally no additional fee for working with us when we are compensated by the insurance company or benefits provider. If a particular arrangement involves a separate consulting or administrative fee, it will be clearly explained before you make a decision.
Why Choose Us
Benefits Guidance That Continues Beyond Enrollment
We help you compare your options, explain the differences clearly, and implement a strategy that supports both your employees and your business. Our relationship continues after enrollment with help throughout the year and at renewal.
- More than 26 years of insurance experience
- Guidance tailored to your workforce and budget
- Ongoing service after your plan begins