Custom Solutions to Attract and Retain Top Talent

In today’s competitive job market, offering quality employee benefits isn’t just a perk. It’s a powerful tool to attract and retain top talent. At Majeske Insurance, we help businesses of all sizes build affordable, competitive group health insurance packages that support their teams and grow with their company.

Why Group Health Benefits Matter

Offering group health insurance shows employees you value their well-being. It can-

• Improve employee retention and satisfaction
• Boost recruitment efforts
• Provide tax advantages for your business
• Increase productivity by promoting healthier teams

Tailored Plans for Your Team

We don’t believe in one-size-fits-all. Our brokers work one-on-one with business owners and HR teams to design group health plans that align with your budget, company size, and workforce needs. We take the time to explain your options clearly-no jargon, no pressure.

Our Group Health Solutions Include:

• Medical insurance
• Dental and vision plans
• Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs)
• Disability and life insurance options
• Voluntary benefits and supplemental coverage
• Compliance guidance and enrollment support

Group Health Plan Options to Fit Every Business

At Majeske Insurance, we offer a wide range of group health insurance solutions that meet federal and state requirements. Whether you’re a small startup, growing business, or established company. Our goal is to match you with the right type of plan for your team and your budget.

Traditional Group Health Plans

Fully insured plans through major carriers that offer set premiums and predictable benefits. Ideal for businesses looking for a straightforward, hands-off option.

Level-Funded Plans

A hybrid option combining features of fully insured and self-funded plans. Level-funded plans offer more pricing transparency and potential refunds if claims are lower than expected.

Self-Funded Health Plans

Designed for larger businesses ready to take on more risk in exchange for greater cost control and customization. You only pay for the healthcare your employees actually use.

Innovative Benefits with ICHRA Plans

At Majeske Insurance, we stay ahead of the curve — and ICHRA (Individual Coverage Health Reimbursement Arrangement) is one of the most flexible and cost-effective group benefit options available today. With an ICHRA, employers reimburse employees for health insurance they purchase on their own. This model gives businesses budget control while giving employees more freedom to choose the coverage that works best for them.

Why Employers Are Switching to ICHRA:

• You decide how much to contribute and set a budget
• No need to manage a group plan or renew coverage each year
• Employees choose their own plans, based on their needs
• Works great for remote teams, mixed workforces, or multi-location companies
• In Colorado, ICHRAs often result in significant cost savings while improving benefit satisfaction

Visit ICHRAS.com for more information

We specialize in helping Colorado employers design and implement ICHRAs that make sense llegally, financially, and practically. Whether you’re new to the concept or ready to launch, we guide you through the entire process, from setup and compliance to onboarding your employees.

Want to learn more?
Visit our dedicated site at ichras.com — a resource built by us, specifically to help employers understand how this strategy can work for them

Whether you’re a startup looking to offer your first employee benefit or an established company reviewing your current plan, Majeske Insurance is here to help. We’ll guide you through comparing carriers, evaluating contribution strategies, and simplifying the enrollment process for both you and your team.

Let’s Build the Right Plan Together
We’re local, experienced, and dedicated to helping Colorado businesses succeed. Contact us today to set up a free consultation and explore how group health insurance can strengthen your business.

Frequently Asked Question

Q: What is an ICHRA, and how does it benefit employers?

 

A: An ICHRA (Individual Coverage Health Reimbursement Arrangement) allows employers to reimburse employees—tax-free—for individual health insurance premiums and qualified medical expenses. Instead of offering a traditional group health plan, employers set a monthly budget, and employees select the individual coverage that works best for them. ICHRAs offer flexibility, cost control, and a modern solution for diverse or remote workforces.

Q: What is level-funded health insurance, and how does it work?

 

A: Level-funded health plans combine features of fully-insured and self-funded models. Employers pay a fixed monthly rate that covers claims funding, administrative fees, and stop-loss insurance. If claims are lower than expected, the employer may receive a refund at the end of the plan year. This approach offers predictable budgeting with potential savings and claims transparency.

Q: How is a self-funded (self-insured) health plan different from other options?

 

A: In a self-funded plan, the employer pays for employee healthcare claims directly instead of paying premiums to a carrier. This model offers more control and potential savings, especially for larger businesses with stable claim histories. Employers can customize coverage and access detailed claims data. Stop-loss insurance is typically added to limit large or unexpected claim exposure.

Q: What is a traditional fully-insured group health plan?

 

A: A fully-insured plan is the most common and straightforward health insurance model. Employers pay a fixed monthly premium to an insurance company, which assumes the financial risk for claims. These plans are easy to manage and provide consistent costs, though they offer less flexibility and typically higher long-term expenses compared to other models.

Q: How do I decide which group health funding model is right for my business?

 

A: The best option depends on your company’s size, budget, goals, and tolerance for risk. At Majeske Insurance, we assess your needs and guide you through the pros and cons of each model—whether it’s the predictability of fully-insured, the control of self-funded, the flexibility of ICHRA, or the balance of level-funded plans. Our goal is to help you design a benefits strategy that fits your team and grows with your business.

Service Included

• ICHRAs for Flexible Benefits
• Lower Costs, Smarter Coverage
• Traditional Group Plans Available
• Level-Funded Options for Control
• Support for Health & Retention
• Custom Solutions for Every Business