Small Business Health Plans
Nunes Partners
Small Business Health Plans
Small businesses need flexible, affordable healthcare solutions that provide comprehensive protection without breaking the budget.
At Nunes Partners, we specialize in creating customized small business health plans that combine direct primary care, health sharing, and financial safety nets. Our innovative approach helps businesses of all sizes offer competitive benefits that attract and retain quality employees while maintaining financial stability.
For small businesses, we build comprehensive healthcare protection using our proven house construction model—with financial safety nets as the foundation, direct primary care and virtual care as the walls, and health sharing as the roof. This integrated approach creates affordable, effective coverage that protects both your employees’ health and your business’s bottom line.
Nunes Partners
Group Health Insurance
Group health insurance provides businesses with comprehensive healthcare solutions specifically designed for their workforce.
Our approach combines traditional healthcare elements with innovative alternatives like HealthShare, creating customized packages that maximize benefits while minimizing costs. By working with Nunes Partners, your company can offer competitive healthcare benefits that help attract and retain quality talent while maintaining budget control. Unlike traditional insurance that often leaves significant financial gaps, our plans prevent medical events from becoming financial crises.
Direct Primary Care
Direct primary care transforms how your employees access everyday healthcare through affordable monthly memberships. This approach eliminates copays and deductibles for most routine care, allowing unlimited access to providers who know your team personally. For a flat monthly fee starting at $75 for individual members or $180 for families, your employees receive unlimited visits with no office fees, access to wholesale medications often cheaper than insurance copays, and same-day or next-day appointments.
Your Direct Care Provider
Your direct care provider becomes a dedicated health partner for your employees, delivering personalized care without the rush of traditional practices. These physicians build meaningful relationships with your team members, spending 30-60 minutes per appointment to provide comprehensive care coordination and advocacy. With Nunes Partners, your employees gain 24/7 access to their physician via text, phone, email, or in-person visits, creating a healthcare relationship focused on wellness rather than billing codes.
Primary Care Memberships
Primary care memberships provide your employees with affordable, predictable healthcare access for a flat monthly fee. These subscriptions cover 80-90% of everyday medical needs including preventative care, men's and women's health, chronic disease management, minor illness treatment, affordable lab work, and wholesale medications. With these memberships, employees receive unlimited primary care services without copays or deductibles, bypassing traditional insurance delays and markups while creating exceptional value for both employees and employers.
Pediatric Direct Primary Care
Pediatric direct primary care gives employee families peace of mind with dedicated children's healthcare access. These specialized memberships provide unlimited consultations for newborns, children, and adolescents, addressing everything from routine physicals to minor illnesses and chronic conditions. With family memberships starting around $180 monthly, employees gain trusted pediatric healthcare from providers who know their children personally, reducing work absences and supporting family wellbeing through convenient, affordable care.
Direct Primary Care Near Me
We connect your business with quality direct primary care providers near your location, ensuring convenient access for all team members. Our network includes established practices with locations in Colorado Springs and South Denver, providing services ranging from routine preventative care to wellness management. This localized approach eliminates travel barriers while ensuring your employees receive consistent, quality care from providers who understand their health history and needs, creating stronger health outcomes and greater healthcare satisfaction.
Nunes Partners
Group Health Coverage
Group health coverage creates a foundation of protection that keeps your team physically and financially healthy.
Our innovative approach combines direct primary care for everyday needs, HealthShares for unexpected medical expenses, and financial safety net plans that pay cash directly to employees during accidents, illnesses, or hospitalizations. This comprehensive solution costs significantly less than traditional insurance while providing greater flexibility and protection that addresses both medical care and financial security.
Health Benefits Package
A health benefits package demonstrates your commitment to employee wellbeing while creating a competitive advantage in recruiting and retention. Our customized packages combine direct primary care memberships, health sharing plans with initial unshareable amounts (IUAs) as low as $1,000, and supplemental policies that provide cash benefits during accidents, illnesses, or hospitalizations. This innovative structure delivers maximum value within your budget constraints while providing employees with both quality care access and financial protection that prevents medical events from becoming personal financial crises.
Nunes Partners
Small Business Group Health Coverage
Small group health insurance provides businesses with fewer than 50 employees access to quality healthcare coverage options that fit within tight budgets.
Our specialized plans offer significant flexibility, allowing your company to select the exact benefits that matter most to your team. By combining direct primary care memberships, HealthShares, and financial safety net plans, we create comprehensive protection at costs often 30-50% lower than traditional small group insurance, helping your business compete for talent while maintaining affordable monthly expenses. Ready for Small Group Health Coverage? Contact Nunes Partners Today.
Nunes Partners
Part Time Health Benefits
Part time health benefits extend valuable coverage to all team members regardless of hours worked. Our flexible options allow you to provide proportional benefits that help attract and retain quality part-time staff while demonstrating your company’s commitment to comprehensive employee support. Through innovative solutions like virtual care platforms starting at just $12 monthly per employee, telehealth services that include primary care, urgent care, behavioral health, and even pet telehealth, we create affordable benefits that work for every employment category without straining your budget. Contact us now to learn more about Part Time Health Benefits.
Health Benefits For Small Business
Health benefits for small business can create a foundation of protection that supports employee wellbeing and productivity. Our customized approach combines direct primary care with health sharing and supplemental coverage to maximize protection while minimizing costs. Unlike traditional health insurance that often leaves employees with high deductibles and limited networks, our innovative structure provides better access to everyday care through direct primary care, freedom to choose any provider through HealthShares, and financial protection that pays employees directly during accidents or illnesses, delivering exceptional value for both your business and your team members. Contact us now for more information on Group Health Benefits.
Small Business Health Insurance
Small Business Health Insurance provides crucial protection that separates personal wellbeing from business performance.
Health Insurance For Business Owners
Our specialized health insurance for business owners creates comprehensive protection with significant tax advantages, ensuring your health needs never compromise business stability. As a business owner, you deserve the same quality, affordable healthcare options you provide employees, which is why we provide a variety of insurance and healthcare alternative options to fit every businesses’ need.
ICHRA
Individual Coverage Health Reimbursement Arrangements (ICHRA) give your business unprecedented flexibility in providing healthcare benefits. This innovative approach allows you to reimburse employees tax-free for qualifying medical expenses and individual health insurance premiums. ICHRAs enable your company to set your own budget while empowering employees to choose coverage that best meets their personal needs.
Employer Sponsored Health Plans
Employer sponsored health plans demonstrate your commitment to team wellbeing while creating valuable recruiting and retention advantages. Our innovative approach offers significantly more affordable alternatives to traditional group insurance, combining direct primary care memberships that start at $75 monthly per employee with health sharing plans. This structure provides comprehensive coverage for both routine care and unexpected medical expenses at costs often 30-50% lower than traditional group plans, allowing you to provide meaningful coverage without compromising your budget.
Medical Insurance for Employees
Medical insurance for employees provides essential protection that supports workplace productivity and satisfaction. Our customized approach includes innovative options such as Individual Coverage Health Reimbursement Arrangements (ICHRA) and self-funded medical plans that deliver exceptional value for both your business and your team members. By focusing on affordable access to routine care while providing comprehensive protection against unexpected medical expenses, we create better health outcomes and financial security that allows employees to focus on their work rather than healthcare concerns.
Employee Benefits
Employee benefits extend beyond healthcare to create a comprehensive support system that demonstrates your commitment to team wellbeing. Our customizable packages include health coverage through direct primary care and health sharing, financial protection through supplemental policies that pay cash during accidents or illnesses, dental and vision coverage with comprehensive preventative benefits, and life insurance options that provide peace of mind. This holistic approach creates meaningful protection that addresses the full spectrum of employee needs while maintaining affordable costs that work within your budget constraints. Build a competitive employee benefits package now.
Health Insurance Brokers for Small Business
Health insurance brokers for small business guide your company through the complex healthcare landscape to find effective coverage solutions. We analyze your unique needs and budget constraints to develop custom benefits packages that provide maximum protection for minimal cost. Our education-based approach ensures you fully understand how each component works—from direct primary care to health sharing to supplemental policies—empowering you to make informed decisions that benefit both your business and employees. With ongoing support and annual reviews, Nunes Partners ensures your healthcare strategy continues evolving with both your business and the healthcare landscape.
Nunes Partners
The Power of Self Funded Medical Plans
Self-funded medical plans provide businesses with greater control over healthcare costs while delivering customized coverage that addresses specific employee needs.
Unlike traditional fully-insured approaches, where premiums are paid to carriers regardless of actual claims, self-funding allows your company to pay only for the healthcare services your employees actually use while maintaining comprehensive protection. Nunes Partners guides businesses through implementing these sophisticated plans, creating predictable monthly budgets while eliminating unnecessary expenses associated with traditional insurance models.
By combining self-funding with strategic stop-loss protection that limits financial exposure, your business creates a healthcare approach that balances cost control with comprehensive coverage. These plans provide unprecedented transparency into healthcare utilization, allowing data-driven decisions that improve both employee wellness and company finances. The flexibility of self-funded plans enables businesses to customize coverage elements, administrative processes, and wellness initiatives that align perfectly with company culture and priorities, creating a truly tailored healthcare solution that works for both your business and your employees.
Nunes Partners
Medical Insurance for Small Companies
Medical insurance for small companies balances comprehensive protection with budget realities through innovative healthcare solutions including Individual Coverage Health Reimbursement Arrangements (ICHRA) and self-funded medical plans.
Our customized approach emphasizes affordable access to everyday care through direct primary care memberships while providing complete protection against unexpected medical expenses through comprehensive health programs. This structure creates better health outcomes and financial security that helps small businesses compete for talent while maintaining financial stability.
Unlike conventional healthcare structures that focus primarily on catastrophic coverage while making everyday care expensive and inaccessible, our approach prioritizes both routine and emergency needs. This comprehensive strategy eliminates unnecessary complexity, reduces monthly costs, and provides exceptional value that supports both employee wellbeing and business sustainability.
Our customized approach combines direct primary care, health sharing, and financial safety nets to create comprehensive solutions that deliver exceptional value. Unlike traditional insurance that focuses primarily on catastrophic coverage while making everyday care expensive and inaccessible, our structure emphasizes affordable access to routine care through direct primary care memberships while providing complete protection against unexpected medical expenses through HealthShare, creating better health outcomes and financial security for your team.
Nunes Partners
Small Business Healthcare
Small business healthcare provide affordable, flexible healthcare solutions specifically designed for companies with limited resources.
Our customized approach combines direct primary care memberships that provide unlimited access to routine healthcare for a flat monthly fee, health sharing plans like HealthShare that provide protection against unexpected medical expenses without network restrictions, and financial safety net plans that pay employees directly during accidents, illnesses, or hospitalizations. This innovative structure creates comprehensive protection at a fraction of traditional insurance costs while providing better care access and financial security.
Small Business Group Health Plans
Small business group health plans provide affordable protection specifically designed for companies with limited resources. Our customizable solutions incorporate innovative alternatives to traditional insurance, delivering exceptional value while helping your business compete for talent in challenging labor markets.
Small Business Medical Benefits
Small business medical benefits create valuable employee protection without compromising your company's budget. Our flexible approach allows you to select exactly the coverage elements that matter most to your team, creating meaningful protection that supports both employee wellbeing and business stability.
EAP Programs for Small Businesses
Employee Assistance Program (EAP) benefits provide vital support services that promote workforce wellbeing and productivity. These comprehensive programs offer confidential counseling, mental health resources, work-life balance assistance, and crisis intervention services that reduce absenteeism and improve morale. Our virtual care platform includes behavioral health services that address anxiety, depression, and other concerns, providing employees with convenient access to mental health professionals through secure telehealth platforms.
Dental and Vision Insurance for Small Business
Dental and vision insurance for small business enhances your benefits package with affordable coverage that promotes preventative care and overall wellness. Find out more about our supplemental dental and vision options.
Nunes Partners
Group Health Insurance Brokers
We work hard as your group health insurance brokers to provide expert guidance through the complex healthcare landscape.
Our goal? Helping your business find optimal coverage solutions. Nunes Partners’ education-based approach ensures you fully understand all available options—from traditional group insurance plans to innovative alternatives combining direct primary care, health sharing, and supplemental policies. We work to empower you to make informed decisions that benefit both your company and your employees, creating healthcare strategies that maximize protection while minimizing costs. With regular reviews and ongoing support, we ensure your benefits package continues delivering exceptional value as both your business and the healthcare landscape evolve.
Healthcare Partners
Nunes Partners are your healthcare partners, providing ongoing support that ensures your benefits package continues delivering optimal value as both your business and the healthcare landscape evolve. Our relationship-focused approach includes regular reviews of your healthcare strategy, updates about emerging options like new direct primary care providers or telehealth services, and strategic adjustments that keep your coverage aligned with changing business needs and industry innovations. This continuous support prevents your benefits package from becoming outdated or inefficient, maintaining optimal protection and value that supports both your business objectives and employee wellbeing throughout your company’s growth and evolution.
Nunes Partners
Group Life Insurance
Group life insurance is an essential component of a comprehensive employee benefits package. These policies provide financial protection for your employees’ families, delivering peace of mind and demonstrating your company’s commitment to their well-being beyond work hours.
With affordable rates and simplified underwriting that makes coverage accessible regardless of health conditions, Nunes Partners can help you offer valuable protection that supports employees through all life stages while enhancing your overall benefits package with minimal administrative complexity.
Group Life Insurance Coverage
Group life insurance coverage provides flexible protection options tailored to your company’s specific needs and budget. Our customizable plans offer various benefit levels with additional riders for accidental death, dependent education benefits, and other specialized protections. This flexibility allows you to create appropriate coverage for different employee categories while maintaining affordable premiums and simplified administration. With guaranteed issue options that eliminate medical underwriting for basic coverage levels, group life insurance creates accessible protection for all employees regardless of health conditions.
Group Life Insurance Benefits
Group life insurance benefits provide valuable financial protection that supports employee families during their most vulnerable moments. These affordable policies provide tax-advantaged death benefits that help cover final expenses, replace lost income, and maintain family stability, demonstrating your company’s genuine concern for employee wellbeing. Beyond basic death benefits, many policies include additional features like accelerated benefits during terminal illness, portability options when changing employment, and supplemental coverage opportunities for greater protection. This comprehensive approach creates meaningful security that employees genuinely appreciate while enhancing your benefits package with minimal cost and administration. Find out more about Group Life Insurance.
Nunes Partners
Medical Cost Sharing Plans
Medical cost sharing fundamentally transforms how businesses approach healthcare expenses by creating a community-based approach to coverage. Members contribute monthly to share eligible medical expenses, eliminating networks and allowing employees to seek care anywhere.
Best Medical Cost Sharing Plans
The best medical cost sharing plans combine affordable monthly contributions with comprehensive sharing guidelines that provide exceptional protection for a wide range of medical needs. HealthShare offers stable membership, transparent operations, and consistent sharing results that deliver reliable protection your employees can trust. With initial unshareable amounts (IUAs) such as $1,000, $2,500, or $5,000 and a maximum of three IUAs per household in any 12-month period, creates predictable expenses while sharing all eligible medical costs above these thresholds. This approach provides comprehensive protection at significantly lower costs than traditional insurance, creating true value that benefits both your business and your employees.
Frequently Asked Questions
Group Health FAQs
Group health insurance provides coverage for employees under a single policy held by their employer. Traditional group plans often include high deductibles and limited networks, while our innovative alternatives offer more flexibility and affordability while maintaining comprehensive protection.
Most traditional group health insurance requires at least two employees. Our innovative alternatives work for businesses with as little as two employees. This flexibility allows businesses to start with appropriate coverage and then scale their benefits package as they grow, maintaining continuity while adapting to changing needs.
Medical cost sharing may include initial unshareable amounts (similar to deductibles), certain pre-existing condition limitations, and sharing guidelines that don't cover every medical situation. HealthShares have a one-year waiting period for pre-existing conditions before phasing in coverage over time. Additionally, certain lifestyle choices like tobacco use may result in additional fees or limitations. However, these disadvantages are generally offset by significantly lower monthly costs, greater provider flexibility without network restrictions, and community sharing with no annual or lifetime caps, creating substantial overall value compared to traditional insurance limitations.
Traditional group health insurance typically costs between $500 and $1,000 per employee monthly. Our innovative alternatives often reduce these costs by 30-50% while providing comparable or superior protection through direct primary care, health sharing, and financial safety nets. This combined approach delivers comprehensive protection at significantly lower costs than traditional group plans.
Nunes Partners are not tax experts, please consult with a tax expert. The following answer is for information purposes only. Most employee health benefits are tax-deductible business expenses. Contributions toward employee health coverage, including direct primary care memberships, health sharing contributions, and supplemental insurance premiums, generally qualify as legitimate business expenses. Additionally, certain benefits like Health Reimbursement Arrangements (HRAs) allow tax-free contributions that create significant advantages for both employers and employees. While health sharing contributions aren't typically considered "insurance" for tax purposes, they remain legitimate business expenses when provided as employee benefits.
Consult your tax professional for guidance specific to your situation.
Company health insurance creates substantial value by improving employee recruitment, retention, productivity, and well-being. Our innovative alternatives make these benefits accessible at significantly lower costs than traditional insurance, delivering exceptional return on investment for businesses of all sizes. By providing employees with both quality healthcare access through direct primary care and financial protection through health sharing and supplemental policies, you prevent medical concerns from impacting workplace performance while demonstrating genuine commitment to employee wellbeing. This investment typically returns value through reduced absenteeism, improved morale, enhanced recruitment success, and greater employee retention.
Common employee benefits include health coverage through direct primary care and health sharing, dental and vision insurance with comprehensive preventative benefits, life insurance that provides family financial protection, disability coverage that protects income during illness or injury, retirement plans that support long-term financial security, and wellness programs that promote overall health.
Healthcare benefits create financial security, support preventative care, demonstrate employer commitment, and provide peace of mind that allows employees to focus on work rather than medical concerns. By offering quality healthcare options that combine affordable access to routine care through direct primary care with financial protection against unexpected expenses through health sharing and supplemental policies, you create a foundation of wellbeing that supports productivity and job satisfaction.
These benefits consistently rank among employees' most valued workplace advantages, directly impacting recruitment success, retention rates, and overall workplace satisfaction while preventing medical concerns from becoming financial crises.
Small businesses can absolutely afford to offer health benefits through our innovative alternatives to traditional insurance. Contact Nunes Partners today to find a health benefit solution that fits your business and employees.
Individual Coverage Health Reimbursement Arrangements (ICHRAs) allow businesses to reimburse employees tax-free for qualifying medical expenses and individual health insurance premiums rather than providing a one-size-fits-all group plan. This approach gives employees freedom to choose coverage that meets their specific needs while allowing employers to set predictable budgets.
Consult your tax professional for guidance specific to your situation.
