Health Insurance

Health Insurance

Health insurance benefits are a significant and vital component of any employee compensation package. Proper coverage can help ensure your and your family’s well-being as well as protect you financially in the event of a medical crisis.

Eber & Associates can help you choose the right policy to fit you and your family or your team.

Types of Health Insurance

Depending on your needs, there are two primary types of health insurance policies to choose from: group or individual health insurance.

Group Health Insurance

Group health insurance is provided by employers or through external organizations such as unions or other associations. Since risk is being shared among multiple people, it is typically less expensive (lower premiums) but has fewer customization options.

Depending on the size of your business, group health insurance can be a more affordable option for providing coverage. With group health insurance, employers pay a portion of the premium cost and the employee will pay the remainder.

Individual Health Insurance

Individual health insurance gives you more options regarding your coverage. While the costs of the premiums are higher due to the lack of employer contribution, there is more flexibility available.

Individual health insurance policies can also be applied to family members for an additional cost.

Compare Individual vs. Group Health Insurance

This chart gives a quick overview of the primary differences between group and individual health insurance:

Individual Health Insurance
Group Health Insurance
Who purchases it?
Who is eligible?
Anyone who can qualify for coverage
Employees of a company that offers group health insurance
Typically more expensive than group health insurance
Typically less expensive than individual health insurance
Coverage Options
More limited than group health insurance
More comprehensive than individual health insurance
Pre-existing Conditions
May be excluded
Must be covered
Open Enrollment Period
Once per year
Usually once per year, but may be more flexible

Eber & Associates: Your Health Insurance Experts

Eber & Associates has more than 40 years of experience in providing high-quality coverage for a competitive price. Our team of experts understands the importance of finding the right coverage for your specific needs.

Whether you have a small business or a family — or both — we can help you choose the best coverage to safeguard you and the people you care about. Eber & Associates is here to cover you through life for life.

Custom Insurance the Smart Way

When it comes to custom insurance solutions, you need a team you can trust to help you find the perfect fit. Let Eber & Associates guide you to a more secure tomorrow with the care, coverage, and confidence you deserve.