Employee Benefits - Show the Team You Care.

Most carriers require at least 2 eligible employees (sometimes more) to establish a group plan. Group coverage is available to small (2–50), mid-sized, and large employers, with different compliance requirements at each level.

Employers choose how much to contribute. Many cover at least 50% of employee-only premiums to stay competitive, while employees pay the remainder and the cost of any dependent coverage.

• Fully insured: predictable      premiums, carrier assumes the risk.
• Level-funded: fixed monthly costs with the possibility      of refunds if claims are lower than expected.
• Self-funded: employer pays actual claims; higher risk      but maximum flexibility and potential savings.

Generally, yes — but you may set eligibility rules (like working 30+ hours per week). For businesses with 50+ full-time equivalent employees, the ACA requires offering coverage to avoid penalties.

Yes. They are relatively inexpensive compared to medical insurance and highly valued by employees. They also help round out a competitive benefits package.

Carriers set new rates each year based on claims experience, group demographics, and overall market trends. We negotiate on your behalf to keep increases manageable and present alternatives if needed.

Depending on size, employers must meet ACA reporting, ERISA plan documents, COBRA continuation, and other requirements. Blue Jay helps keep you compliant so you avoid penalties.

Typically 4–6 weeks from start to finish. This includes quoting, carrier selection, paperwork, and employee enrollment. With renewals, the process can be faster.

Yes. We provide enrollment materials, group meetings, and one-on-one guidance so your employees understand their options and use their benefits effectively.