Group health too expensive?
Let’s find the health benefit your business can actually afford.
Answer a few simple yes-or-no questions and see whether an ICHRA or QSEHRA may be the better fit for your business, your budget, and your employees.
If your small-group quote came back ugly, you are not out of options. This quick benefit check helps small employers find a practical next step without guessing.
You do not need more health plan chaos. You need a clear answer.
Small employers are usually dealing with the same mess:
Group quotes too expensive
Employees still need help
Ewner needs coverage too
Budget is fixed
Nobody wants a complicated setup
Group health too expensive?
Let’s find the health benefit your business can actually afford.
Answer a few simple yes-or-no questions and see whether an ICHRA or QSEHRA may be the better fit for your business, your budget, and your employees.
If your small-group quote came back ugly, you are not out of options. This quick benefit check helps small employers find a practical next step without guessing.
You do not need more health plan chaos. You need a clear answer.
Small employers are usually dealing with the same mess:
Group quotes too expensive
Employees still need help
Ewner needs coverage too
Budget is fixed
Nobody wants a complicated setup
Quick Benefit Check
Answer these simply. The goal is not perfection. The goal is to stop guessing.
Takes less than 1 minute.
Quick Benefit Check
Answer these simply. The goal is not perfection. The goal is to stop guessing.
Takes less than 1 minute.
How it Works
Answer the Questions
Tell us about your team, your budget, and what is not working.
Get Your Recommendation
Check your email.
We point you toward the option that appears to fit best.
Book A Quick Call
We review how it could work in real life for your business.
Frequently Asked Questions
Question 1: Is this another “shop the market” pitch?
No. Carrier hopping is a stall tactic. We’re changing how you finance the benefit, not just who sends the bill.
Question 2: Will employees be confused?
Not if you lead with clarity. We provide plain-English education and a guided selection process. Confusion drops when choice makes sense.
Question 3: Are we compliant?
Yes. ICHRA is IRS-approved and ACA-compliant when implemented correctly. We build the audit trail and keep you clean.
Question 4: How fast can we transition?
90–120 days is ideal. We’ve done it faster when renewal timelines demanded it.
The right answer is not always a group plan. It is the plan your business can actually carry.
Start with the questions. Get the recommendation. Then let’s talk through what works in real life.
Frequently Asked Questions
Question 1: Is this another “shop the market” pitch?
No. Carrier hopping is a stall tactic. We’re changing how you finance the benefit, not just who sends the bill.
Question 2: Will employees be confused?
Not if you lead with clarity. We provide plain-English education and a guided selection process. Confusion drops when choice makes sense.
Question 3: Are we compliant?
Yes. ICHRA is IRS-approved and ACA-compliant when implemented correctly. We build the audit trail and keep you clean.
Question 4: How fast can we transition?
90–120 days is ideal. We’ve done it faster when renewal timelines demanded it.
ABOUT STEARNS HR
RESOURCES
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Talk to an HR Expert
(248) 720-5755
Open 8 AM - 4 PM EST
Talk to an HR Expert
(248) 720-5755
Open 8 AM - 4 PM EST
ABOUT STEARNS HR
RESOURCES
SERVICES
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