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Creating a great benefits package shouldn’t be this hard — but many business owners unknowingly make simple mistakes that drive up costs and frustrate employees.
The good news?
These mistakes are easy to fix once you know what to look for.
That’s why we’ve put together this free report,
To show exactly how to avoid them.
So you can save money,
Keep your team happy,
And grow your business with confidence.
Take a look below and see how to avoid these costly mistakes.
The Truth About the Health Insurance Industry
The health insurance system wasn’t built for small businesses —
It was built for massive corporations with tens of thousands of employees.
When you’re stuck in a tiny group plan, one large medical bill can send your premiums skyrocketing.
The industry won’t tell you this because it benefits them.
But here’s the truth:
The deck is stacked against you —
And unless you change the game, you’ll keep overpaying year after year.
#1 Choosing the Wrong Insurance Pool
Most small businesses are stuck using the Group Platform — a model designed for companies with over 100,000 employees. With a smaller team, one big medical bill can send your premiums soaring.
The new Individual Platform powered by ICHRA changes this by combining thousands of businesses into a single pool, often 200,000+ people, dramatically reducing costs.
Example:
Group Pool of 25 employees: A $20,000 ER bill = $800 per employee.
Individual Pool of 100,000 people: The same bill = $0.20 per person.
That’s a 4,000x difference.
#2 Failure to Maximize Tax Savings
Many business owners don’t realize they’re missing out on huge tax breaks under new laws.
With a typical group plan, pre-taxing health benefits saves about 24%.
With the Individual Platform, businesses can save 40-60%, depending on employee income.
That’s thousands in extra savings — money that can go back into your business instead of into the IRS’s pocket.
#3 Incorrect Benefits Selection Process
With group plans, you can’t ask employees what they really need.
This one-size-fits-all approach creates a lose-lose situation:
Healthy employees overpay for coverage they don’t need.
Employees with higher health needs don’t get enough coverage.
The Individual Platform fixes this.
Each employee chooses their own plan —
Whether it’s a low-cost HSA or a comprehensive option —
With zero extra cost to you.
Why Group Insurance Isn’t Right for Everyone
For years, business owners have been told that:
“Group insurance is the gold standard for providing employee health benefits.”
But here’s the problem —
What works for a company with 5,000 employees
Doesn’t always work for a company with 5, 10, or even 50 employees.
With smaller groups, even one major medical claim can send premiums through the roof,
Forcing you to either cut benefits,
Raise costs, or
Absorb another painful rate hike.
The truth is,
Group insurance isn’t inherently bad —
It’s just not built to protect small businesses.
The Vital Key to Fixing Your Health Insurance- Fast
The fastest way to cut costs
And improve your benefits
Is to move from the Traditional Group Platform
To the Individual Health Platform.
By giving each employee the freedom to choose their own plan—
And pooling risk across thousands of businesses —
You’ll save thousands per employee
While finally stabilizing your health insurance costs.
What Never to Do When Choosing Your Company’s Health Plan
Never lock your business into a one-size-fits-all group plan.
Doing so leaves you vulnerable to soaring premiums
Every time there’s a major claim —
And forces employees into coverage that doesn’t truly fit their needs.
Instead,
Switch to Individual Health,
Where risk is spread across thousands of companies
And each employee can choose the plan that works best for them.
Don’t Believe Us? Listen to Our Clients!
We Thought the High Costs Were Unavoidable
“We didn’t realize how much we were overpaying until OneAdvocate showed us a smarter way. If I could reach through the phone and hug them, I would.”
Mason T.
Carmel, IN
Best Open Enrollment in Years
“Working with this team has been great. They are always helpful and quick to provide clear answers to any questions. Even though this was their first time working with an Alaskan business, they made the entire process smooth and stress-free. I really appreciate their dedication to making our collaboration a success.”
Ilka M.
Anchorage, AK
They Saved Our Company
“We were in a ‘death spiral’ with our insurance costs—until we began working with OneAdvocate. They saved us over $250,000 per year while giving our employees better coverage. Total game-changer.”
Tony D
Alexandria, IN
We’ve Actually Been Able to Grow Our Business
“OneAdvocate changed the trajectory of our company. I told them if I could reach through the phone and hug them, I would.”
Brad B.
Cincinnati, OH
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