Employee Benefits for Small Businesses

Benefits that help you attract and keep great employees, and build a stronger business.

Fully Insured  ·  Level-funded  ·  Voluntary

What you get

Hoston explains health insurance benefits available for individuals and families
Hoston Helps Insurance Group Official Logo

Flexible plan options

Fully insured, level-funded, and voluntary benefits built around your team and budget.

Hoston enrolls nurses in employee benefits

Simple enrollments

We handle setup, education, and enrollment so HR doesn't have to.

Hoston runs a life insurance workshop at May Park Augusta

Support after launch

Questions, new hires, and changes are handled without putting more work on your desk.

How it works

Discovery call

We confirm headcount, budget, current plan, and what matters most (cost, network, copays, etc.).

We shop for you

We quote major carriers and build options based on your group’s demographics. You get clean numbers.

Review + decision

You decide which plans to offer and whether the employer contributes. We then handle rollout and enrollment.

Launch and support

When benefits are set up right, employees stay longer and miss fewer days. We stick around to support your business as it grows.

Questions

What plans can we offer?

Fully insured group health, level-funded plans, and voluntary benefits like dental, vision, life, disability, accident, hospital indemnity, and critical illness. Everything can be packaged or offered à la carte.

Do I have to contribute?

The magic question. For groups under 50 employees, all benefits can be offered with no employer contribution. For companies that do contribute, packages are completely flexible.

What’s the difference between fully insured and level-funded?

Fully insured is the traditional route with a fixed monthly premium and predictable budgeting. Level-funded is a hybrid option that can lower costs for healthier groups.

We already have benefits, why switch?

Most groups don’t have the time to review options, so they overpay or miss better structures. A quick comparison can confirm you’re in a good spot or show a clear upgrade.