Group Health Plans for Contracted-Labor

CustomInsured LLC

Health Insurance 2.0!

We are CustomInsured

Group Health plans for both employees and contract labor!

Group health benefits that retain the right talent!

What our client's love most about our group health coverage:

No restrictions on employee participation

Our group health plans do not require the traditional 80% participation rate. You can sign your employees up without enrollment restrictions!

Lower out-of-pocket expense for bigger ticket items

We do not require a deductible for 24 hour hospitalization or outpatient surgery! Employees can save thousands of dollars for some of the bigger ticket items.

We don't penalize employees for claims

Our group health plans do not trigger rate increases for claim related activities. Our premiums are MUCH more stable than traditional group health plans, protecting your employee's pocketbook.

Lower monthly premiums

On average, our group health plans have 20 - 30% lower premiums that traditional ACA plans.

We allow contracted-labor to join our plans

Our coverage extends to contract-labor, allowing participation in comprehensive coverage and expanded PPO networks!

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Frequently Asked Questions

How do you move employees and contractors on and off of coverage?

This process works similar to traditional group health plans for employees. When an employee/contractor parts ways we can have them taken off within 24 hours. And, we can have a new employee completely covered with 7 calendar days!

What happens when an employee or contractor leaves? Can he/she take the coverage with them?

At the time of an employee or contractor parting ways from the company, they'll be given the opportunity to take the coverage with them at the employer pricing. We simply provide new billing updates to the insurer.

***If they decline to take the coverage with them they will not be eligible for open enrollment through the exchange. They would need to wait until open enrollment to enroll or find another private health plan.

Why don't other employers offer contractors group health plans along with their employees?

In a nutshell, the system hasn't really caught up to that. Just 4 years ago, the arrival of the pandemic brought the remote and hybrid employee/contractor. Since then, many more employers now depend on contract labor more than they did pre-pandemic in order to help grow and run their business. Rest assured, the benefits will follow those who help businesses grow. And, the companies that do extend these benefits will have the upper-hand in recruitment and contractor-longevity.

Are there exclusions or barriers when offering coverage to contract labor?

Both employees and contractors are onboarded the same way. The main difference between the two is how the taxes can be written off. For employees, most employers receive a tax credit. For contractors, premiums are usually paid as extra income, extending the tax credit to the contractor. It's important to discuss this matter in full with a CPA. We do not offer tax advice.

Providing coverage your employees deserve.

Brilliantly affordable.

Turnkey group health

Group health plans that provide the benefits your employees want

Reward and retain your best talent for the long-term!

Stable and affordable premiums

Our coverage is brilliantly affordable and employees will not receive premium increases due to claims. We offer stable and long-term premium pricing.

Comprehensive PPO plans

Employees and contractors alike can have access to a nationwide PPO network that extends to all the best medical providers! Access to the very best when you need it most!

Low deductibles and out-of-pocket expense

Our coverage waives the deductible for outpatient surgery or 24-hour hospitalization! Rest easy knowing the big-ticket items won't hit your pocketbook near as much!