EMPLOYEE BENEFITS

Group Medical Insurance for PA & NJ Businesses

Health cost increases are not inevitable. Get real cost options before you renew. Serving employers throughout Bucks County, Montgomery County, Chester County, Delaware County, Philadelphia, Burlington County, Camden County, and Gloucester County.

Health insurance costs are skyrocketing across Pennsylvania and New Jersey. Employers in Bucks County, Montgomery County, Chester County, and throughout the Philadelphia metro area are facing 15-20% annual increases. Stop accepting double-digit increases on off-the-shelf plans.

We design customized medical insurance strategies for Pennsylvania and New Jersey employers with up to 250 employees that control costs without sacrificing employee care. Whether you're in King of Prussia, Bensalem, Cherry Hill, Trenton, or anywhere in the Mid-Atlantic region, we help you take control of your health insurance costs.

Get more data before you renew.

Why Pennsylvania & New Jersey Employers Choose HBG Insure:

  • Local Expertise: Deep understanding of PA and NJ insurance markets and carrier relationships
  • Regional Network: Access to top carriers serving the Philadelphia metro area and South Jersey
  • Proven Results: Hundreds of businesses across Bucks, Montgomery, Chester, Delaware, Burlington, and Camden Counties trust us with their employee benefits
  • Personalized Service: We understand the unique challenges facing Mid-Atlantic employers, from seasonal workforce fluctuations to multi-state compliance
THE PROBLEM

The "Renewal Hike Trap"

Most brokers deliver another 15-20% increase. Same carriers, same "off-the-shelf" plans. Choose higher costs or cut benefits.

  • Reactive Renewals: Scrambling 30 days before expiration
  • Wasted Premium: Paying for one-size-fits-all coverage
  • No Strategic Analysis: Missing opportunities to reduce costs through plan design
OUR SOLUTION

Plan Design Audit

We analyze employee demographics to build a tailored benefits mix. Optimize design, lower costs, improve care quality.

  • Tailored Analysis: Specific employee demographics & risks
  • Optimized Structures: Funding & plan design for efficiency
  • Clear Comparisons: Before-and-after analysis with real savings

Medical Insurance Options

Group Health Insurance

Traditional fully-insured plans with predictable premiums and comprehensive coverage. We design plans that reflect how employees actually access care.

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Self-Funded Medical Insurance

Gain control and transparency by funding your own claims. Includes level-funded options for predictable monthly payments with potential premium refunds.

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Captive Coverages

Take control of your risk with innovative captive insurance solutions. Transform your insurance program from a necessary expense into a strategic asset.

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Pennsylvania & New Jersey Businesses Trust HBG Insure

These satisfied clients from across Bucks County, Montgomery County, and South Jersey started with a simple, no-obligation plan comparison...

"On our Blue Cross Plan, Chris provided identical Blue Cross coverage and we saved $130,000 annually."

— J&S Electrical

"My previous agent gave me a 0% increase but Chris came back with 100% coverage at a savings of 35% below current."

— AT Construction

"Chris' knowledge of rolling out health benefits for over 10 years to our employees got us 100% Blue Cross coverage at 40% lower rates."

— Particle Size Technology

Request a Free Plan Comparison

(24-hour turnaround)

Securely upload your benefit summary and get a customized plan comparison prepared for you within 24 hours.

Request Your Free Plan Comparison

These satisfied clients started with a simple,
no-obligation Plan Design Audit...

"On our Blue Cross Plan, Chris provided identical Blue Cross coverage and we saved $130,000 annually."

— J&S Electrical

"My previous agent gave me a 0% increase but Chris came back with 100% coverage at a savings of 35% below current."

— AT Construction

"Chris' knowledge of rolling out health benefits for over 10 years to our employees got us 100% Blue Cross coverage at 40% lower rates."

— Particle Size Technology

Frequently Asked Questions

Ready to Design a Better Plan?

Request a free Plan Design Audit and discover smarter benefit options before your next renewal.

Request Your Free Plan Design Audit