Employee Benefits Built for Growing Businesses — Group Health, ICHRA & More

Hiring is competitive and benefits are how small businesses win. Trek Insurance Solutions designs custom employee benefits packages — group health, ICHRA, dental, vision, life, disability, and HSA/FSA — that help you attract and keep good people without blowing the budget. We’re an independent brokerage, so we shop many carriers to fit your team, not a single sales quota. Tell us about your business below and we’ll review what you have today against what’s possible.

Get your free benefits review

No cost, no obligation. Share a few details and a local agent will map out group health, ICHRA, and the supplemental benefits that make sense for your headcount and budget.

Prefer to talk first? Call 888-960-0442 — no-cost, no-obligation.

How much do employee benefits cost a small business?

It depends on the model you choose, not just headcount. Traditional group health is priced per enrolled employee and usually requires meeting participation and contribution minimums. ICHRA (Individual Coverage HRA) flips that: you set a fixed monthly budget per employee or class of employees, they buy their own individual plan, and you reimburse them tax-free — so your cost is predictable and capped. Many small businesses pair a core medical plan with low-cost or fully employee-paid voluntary benefits to round out the package without adding employer expense. We’ll run the numbers both ways and show you which is cheaper for your group.

What’s an ICHRA, and is it right for my business?

An ICHRA lets an employer reimburse employees for individual health insurance premiums tax-free instead of buying one group plan for everyone. There’s no minimum company size — even a business with a handful of employees can offer it — and it removes the participation-rate headaches that block small groups from traditional coverage. It tends to fit companies with a wide age range, multiple locations, or tight budgets that want a fixed, predictable benefits spend. If a traditional group plan is the better deal for your team, we’ll tell you that too.

What benefits can I offer my employees?

• Group Health — PPO, HMO, HDHP, level-funded, and ICHRA/QSEHRA options with telehealth, prescription, and wellness coverage from major carriers.
• Dental & Vision — Preventive, basic, and major dental plus exams, frames, and contacts; bundled to keep costs down without thinning coverage.
• Life & AD&D — Group term life with an employer-paid base and voluntary buy-up tiers; AD&D included and guaranteed-issue amounts with no medical exam.
• Disability — Short-term (typically 60–70% wage replacement) and long-term (own- or any-occupation) plans with elimination periods from 0–90 days.
• HSA & FSA — Health Savings Accounts for HDHP enrollees and Flexible Spending Accounts for medical and dependent care, with optional employer contributions.
• Voluntary Benefits — Critical illness, accident, and hospital indemnity coverage employees can buy themselves — high perceived value at little or no employer cost.

Looking for individual or family coverage instead? See our health insurance options. Setting up a retirement plan for your team? Start with retirement planning.

Why Trek?

Trek Insurance Solutions is an independent brokerage — we represent many carriers, not one, so the recommendation fits your business, not a sales quota. You get custom plan design built around your workforce and budget, carrier comparison across A-rated insurers, help navigating ACA, COBRA, HIPAA, and ERISA compliance, and year-round support from a dedicated agent — not just a face at renewal. Local agents, no-cost consultations.

“Trek helped us cut our benefits costs while actually improving coverage for our employees. Our team feels valued, and the renewal was the smoothest we’ve had.” — HR Director, Lincoln, NE

Individual results vary by group size, plan design, and carrier; savings are not guaranteed.

Frequently Asked Questions

How many employees do I need to offer group health insurance?

There’s no legal minimum — even very small businesses, including sole proprietors, can set up a plan. Many companies with 2–50 employees find ICHRA or QSEHRA more cost-effective and flexible than traditional group coverage, since those models avoid group participation requirements.

Is the consultation really free?

Yes. Independent agents are paid by the carriers, so your benefits review and consultation are no-cost and no-obligation. You only move forward if a plan makes sense for your business.

Can Trek help with retirement plans too?

Yes. We help small businesses set up SIMPLE IRAs, SEP IRAs, and 401(k) plans, including Solo 401(k) options for self-employed owners. See retirement planning for details.

Ready to build a better benefits package?

Fill out the form above or call 888-960-0442 — no-cost, no-obligation. Trek Insurance Solutions is an independent brokerage ready to design group health, ICHRA, and supplemental benefits that fit your business.