Advisory
Business Consulting
Strategic guidance to help your business navigate challenges and seize opportunities for growth.
Learn MoreINSURANCE SERVICES
Health Insurance
Strategic group health plans designed to attract top talent without crushing your margins.
Premium Care at Optimized Costs
In a competitive labor market, comprehensive health benefits are non-negotiable for securing and retaining elite talent. However, skyrocketing premium costs threaten to completely consume the profit margins of growing businesses.
SMAART Company engineers strategic Group Health Insurance packages. Because we blend tax planning with insurance procurement, our brokers design incredibly tax-efficient health plans, utilizing HSAs, HRAs, and tiered networks to deliver tier-1 benefits while strictly controlling corporate expenditure.
Core Directives
Talent Acquisition
Tax Efficiency
Cost Containment
Operational Milestones
01
Demographic Analysis
We analyze your staff's age demographics and historical usage to identify the most mathematically efficient plan structures.
02
Market Sweep
We aggressively bid your group out to major carriers (Florida Blue, UHC, Cigna) to leverage the lowest possible baseline premiums.
03
Enrollment
We handle the entire onboarding process, conducting compliance meetings and shielding your HR team from the paperwork.
Included Services & Outcomes
Group Medical, Dental, and Vision Planning
HSA, FSA, and HRA Account Structuring
Key Executive Specialized Health Carve-Outs
Annual Open Enrollment Management
ACA Compliance Tracking & Reporting
Stop Overpaying Carriers
Renewing your existing plan without bidding the market guarantees you are overpaying. Let SMAART drive the cost down.
FAQ
Questions &
Answers
Get answers to the most common questions about our health insurance services.
Under the ACA, only 'Applicable Large Employers' (ALEs) with 50 or more full-time equivalent employees face penalties for not offering coverage. However, most small businesses offer it voluntarily to stay competitive.
Yes, utilizing management carve-outs, we can structure base-level HMOs for general staff while providing robust PPOs for the executive suite.
We actively place group health for Florida employers from 5 to 500 employees. Plans outside that range are handled through our partner network, but small-to-mid-market groups are our sweet spot, we routinely beat direct-to-carrier pricing by 8% to 15% at renewal.
Standard group health setup runs 3 to 5 weeks from initial demographic analysis to effective date. Open enrollment implementations align to your chosen plan year, we manage every compliance deadline so nothing slips.
Yes. ACA Form 1094-C and 1095-C filing for Applicable Large Employers is included in our plan administration services, along with ERISA 5500 coordination, Summary Plan Descriptions, and annual compliance notices. Your HR team never has to touch a federal benefits filing.
Optimize Your Group Plan
Contact our brokers to drastically lower your premium costs before your next renewal period.
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