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Small Business  |  1–50 Employees  |  Nationwide

Group Health & Dental That Works
for Your Team and Your Budget

Independent broker. Multiple carriers. Real savings for small businesses with 1–50 employees — Rodney handles all the paperwork so you can focus on running your business.

Get My Free Group Quote → Call 503-832-8555
✓ 10+ carriers compared ✓ Independent (not captive) ✓ ACA compliance included ✓ Free quote, no obligation
25%

lower employee turnover for businesses offering health benefits

$0

broker fee to you — Rodney is paid by the carrier you choose

10+

top carriers compared to find the best fit for your team

1 day

typical response time — fast quotes so you can move quickly

Coverage Options

Everything Your Team Needs
Under One Roof

We compare plans across all coverage types from multiple carriers so you get the right combination at the right price.

🏥

Group Medical

HMO and PPO plans from leading carriers. We match plan design to your team's needs and your budget — not the other way around.

🦷

Dental Coverage

Preventive, basic, and major dental coverage. Stand-alone or bundled. One of the most valued employee benefits at one of the lowest price points.

👓

Vision Insurance

Eye exams, frames, lenses, and contacts — affordable group vision plans that add real value to your benefits package.

💼

Short-Term Disability

Protect your employees' income when illness or injury keeps them out of work. Often available for as little as a few dollars per employee per month.

Captive Agent
✗ Works for one insurance company
✗ Shows you one carrier's options
✗ Incentivized to sell their products
✗ You do your own paperwork
Rodney (Independent)
✓ Works for you, not a carrier
✓ Compares 10+ carriers side-by-side
✓ Recommends what's best for your team
✓ Handles all the paperwork
Our Process

How Getting Your Group Coverage Works

From first call to first ID card — a simple, guided process with no surprises.

01

Needs Discovery

15-minute call to understand your team size, current coverage, budget, and priorities.

02

Carrier Quotes

Rodney shops UHC, Anthem, Cigna, Kaiser, Aetna, Regence, and more — returning a clean side-by-side comparison.

03

Plan Selection

Review options together, ask questions, and choose the plan your team will actually value.

04

Enrollment & Paperwork

Rodney manages the entire enrollment process — applications, compliance forms, employee onboarding materials.

05

Coverage Active

Your team gets ID cards and can use their benefits. Rodney stays available for questions and annual renewal support.

Start My Free Quote Process →
Carrier Comparison

Top Carriers — Side by Side

Every carrier has strengths. Rodney matches the right carrier to your team size, location, and benefit priorities — not the other way around.

Feature UnitedHealth Anthem / BCBS Cigna Kaiser Aetna / CVS Regence
Plan Types HMO, PPO, EPO, HDHP HMO, PPO, EPO HMO, PPO, HDHP HMO only HMO, PPO, EPO, HDHP PPO, HDHP
Small Group (1–50) ✓ ✓ ✓ ✓ ✓ ✓
Dental Bundling ✓ ✓ ✓ Add-on ✓ ✓
Vision Bundling ✓ ✓ ✓ ✓ ✓ Add-on
Telehealth Included ✓ ✓ ✓ ✓ ✓ Varies
HSA-Compatible HDHP ✓ Select markets ✓ ✗ ✓ ✓
Nationwide Network ✓ Largest ✓ ✓ Regional only ✓ Pacific NW
Wellness Programs ✓ Rally Health ✓ ✓ MDLIVE ✓ ✓ CVS MinuteClinic Basic
Best For Nationwide workforce Broad provider access Behavioral health West Coast, integrated care Pharmacy integration Pacific NW local

Carrier availability varies by state and zip code. Rodney will confirm which carriers are available in your area and obtain live quotes.

Get My Personalized Carrier Comparison →
ACA Compliance

Small Business ACA
Compliance Checklist

The Affordable Care Act has specific rules for small businesses. Missing any of these can result in penalties. Rodney ensures you stay compliant — at no extra cost.

✓
Summary of Benefits & Coverage (SBC)
Required distribution to all employees during open enrollment and special enrollment periods.
✓
SHOP Marketplace Eligibility
Businesses with 1–50 FTEs may qualify for SHOP plans and the Small Business Health Care Tax Credit (up to 50% of premium costs).
✓
Minimum Participation Requirements
Most carriers require 50–75% employee participation. We structure your enrollment to meet carrier minimums.
✓
Employer Contribution Rules
Most carriers require employers to contribute at least 50% of the employee-only premium. We confirm your contribution qualifies.
!
Employer Mandate (50+ FTEs)
Applicable Large Employers (ALEs) with 50+ FTEs must offer minimum essential coverage or face IRS penalties. If you're approaching 50 employees, plan now.
✓
ERISA Plan Documents
Wrap plan documents and SPDs must be maintained and available to employees. We ensure your carrier materials meet ERISA requirements.
✓
COBRA / State Continuation Notices
Proper election notices must be provided within specific timeframes when employees lose coverage. We walk you through the process.
✓
Annual Open Enrollment Window
Employees must be given an annual opportunity to enroll, change, or drop coverage. We manage reminders and enrollment windows for you.
💰

Small Business Health Care Tax Credit

If you have fewer than 25 FTE employees with average wages below $58,000, you may qualify for a federal tax credit worth up to 50% of your premium contributions — for up to two consecutive years.

Eligibility Requirements
✓ Fewer than 25 FTE employees
✓ Average wages < $58,000/year
✓ Pay at least 50% of employee premiums
✓ Purchase through SHOP Marketplace

Not Sure Where You Stand?

Schedule a free 15-minute compliance review. Rodney will assess your current situation, identify any gaps, and outline your options — no obligation.

Schedule Free Compliance Review →
💡 Also Consider

Reduce Your FICA Tax While You're at It

The Ignite Health FICA Contribution Reduction program works alongside your group health plan to reduce employer FICA taxes by $500–$800 per employee per year — a separate strategy many business owners don't know about.

Learn about FICA Reduction →
Rodney Cummings

"I'm not locked into any carrier's lineup. My job is to find your team the best possible coverage at the most competitive price — and make the whole process easy."

Rodney Cummings
Independent Insurance Broker  |  Licensed Nationwide
20+ Years Experience500+ Clients Served10+ Carrier RelationshipsACA Compliance IncludedHandles All Paperwork
Free, No-Obligation

Schedule Your Free Group Health Review

Pick a time that works for you. 15–30 minutes is all it takes to get a clear picture of your options across 10+ carriers — no sales pressure, no commitment.

✓ No broker fees — ever ✓ Same-day quote turnaround available ✓ ACA compliance handled for you ✓ Annual renewal support included
📄

Free Guide: Small Business Health Insurance Buyer's Guide 2026

What every small business owner should know before buying group health coverage — plan types, cost-sharing strategies, ACA compliance, and how to maximize your benefits budget.

↓ Download Free Buyer's Guide (PDF)
More Solutions for Business Owners

Other Ways Legacy Wealth Services Serves Your Business

💼
FICA Tax Reduction
Save $500–$800 per employee per year with the Ignite Health FICA reduction program.
Learn more →
🏥
Remote Care
Telehealth solutions for clinics, hospitals, and practices nationwide.
Learn more →
👨‍👩‍👧
Life Insurance
FEX, IUL, and Fixed Index Annuities to protect your family and business.
Learn more →
📜
Estate Planning
Wills, trusts, and beneficiary designations through Trust & Will.
Learn more →
Group Health ROI Calculator

What Could Group Health Save Your Business?

Adjust the sliders below to see your estimated costs, savings, and total package value — including FICA reduction through Ignite Health.

10
1150+
Monthly Premium Cost
$3,640
employer share/mo
Annual Benefits Cost
$43,680
total employer outlay/yr
FICA Savings (Ignite)
$6,500
avg employer FICA reduction/yr
Net Annual Cost
$37,180
after FICA offset

💡 FICA Reduction Tip: The Ignite Health program reduces your payroll tax liability by redirecting a portion of employee premiums through a Section 125 cafeteria plan. This is separate from your group health plan and stacks on top — meaning most employers recover $500–$800 per employee per year in FICA savings. See how it works →

* Estimates based on average Oregon market rates. Actual premiums vary by carrier, plan design, employee health history, and region. Contact Rodney for a precise quote.

Get a Precise Quote — Free Consultation
Frequently Asked Questions

Group Health Questions, Answered

Everything Oregon business owners ask before getting started.

Most carriers require a minimum of 2 eligible full-time employees to offer a small group plan. Some carriers accept groups of 1 (owner-only), though options are more limited. Oregon law defines small groups as 1–50 employees; larger groups (51+) qualify for large group rates which are typically more favorable.
Part-time employees (those working fewer than 30 hours/week under ACA rules) are generally not required to be offered coverage but many employers choose to include them. You can set your own eligibility rules within state and federal guidelines. This is one of the plan design decisions we walk through together — it affects your costs and your ability to attract talent.
Standard medical plans do not automatically include dental or vision, but we offer standalone dental and vision plans from multiple carriers that can be bundled alongside your medical coverage. Many employers offer dental/vision as voluntary benefits — employees choose to enroll and pay the premium themselves, at group rates.
Oregon follows federal ACA guidelines: employers must contribute at least 50% of the employee-only (single) premium to meet the minimum participation standards most carriers require. Contributing more (70–80%) improves employee participation rates and makes your benefits package more competitive for recruiting.
Businesses with fewer than 50 full-time equivalent employees (FTEs) are not legally required to offer health insurance under the ACA — but if you do offer it, the plan must meet minimum value and affordability standards. Businesses with 50+ FTEs are subject to the Employer Shared Responsibility Provision. We handle all compliance verification as part of the enrollment process.
A waiting period is the time a new employee must wait before becoming eligible for benefits. Federal law caps waiting periods at 90 days. Most employers set 30–60 day waiting periods. The plan can also include hire-date coverage if you want to attract top talent quickly — this is a competitive differentiator in tight labor markets.
Under COBRA (or Oregon's mini-COBRA for small groups), terminated employees have the right to continue their coverage for up to 18 months, paying the full premium themselves plus a small administrative fee. You are required to provide timely COBRA notification — we include guidance on this during onboarding.
Yes. Your plan renews annually and you have the opportunity to shop the market at renewal time. This is where working with an independent broker like Rodney pays off — I'm not locked into one carrier, so I actively compare all available options and bring you the best value each renewal cycle.
An HMO (Health Maintenance Organization) requires members to use a specific network of providers and typically get referrals for specialist visits — premiums are lower. A PPO (Preferred Provider Organization) offers more flexibility to see any provider, in or out of network, with no referral required — premiums are higher. For small Oregon businesses, we often recommend starting with a network-based plan for cost control while ensuring your employees' preferred providers are in-network.
From the time we complete the employer application and gather employee enrollment forms, most carriers issue coverage within 2–4 weeks. We target first-of-the-month effective dates for simplicity in payroll administration. The entire process — from your first consultation to live coverage — typically runs 3–6 weeks.
Nothing. As an independent licensed broker, I'm compensated by the carriers, not by you. You pay the same premium whether you use a broker or apply directly — but you gain an advocate who shops multiple carriers, handles enrollment paperwork, answers employee questions, and manages your renewals year after year. There are no fees, no commitments, and no pressure.

Still have questions? Rodney answers personally.

📞 Call 503-832-8555 📅 Schedule Free Consult
🏢

Get the Free Small Business Health Insurance Guide

Learn how to offer great benefits without breaking the payroll — a plain-English guide for business owners with 1–50 employees.

No spam. Unsubscribe anytime. Your info is never sold.

CLIENT RESULTS

What Oregon Employers Are Saying

★★★★★

"I had no idea how much I was overpaying for our group health plan. Rodney shopped 8 carriers and saved us $340/month per employee without reducing coverage."

Steve M.

Lake Oswego, OR ·

★★★★★

"Rodney made open enrollment painless. He handles everything — the comparison, the paperwork, the employee questions. My team loves the new plan and I love the lower bill."

Angela R.

Salem, OR ·

★★★★★

"As a growing startup we needed flexibility. Rodney found us a plan that works now and can scale with us. We've already added dental and vision through him too."

Chris T.

Portland, OR ·

Ready to write your own success story?

A free 30-minute conversation could save you thousands — or show you money you didn't know you had.

Schedule Free Review