Group Coverage That Helps You Keep Your Best People

Employees consistently rank health coverage among the benefits that matter most. We help small businesses offer real coverage without a big-company budget.

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πŸ§‘β€πŸ’Ό Licensed advisors, not a call center
πŸ”€ We compare multiple carriers, not just one
πŸ’² Always free β€” we're paid by the carrier, not you

Understanding Your Group Insurance Options

Group plans typically bundle a few types of coverage under one policy.

HEALTH

Group Health Insurance

Medical coverage for your team, often at better group rates than individual plans β€” and typically tax-efficient for the business.

DENTAL & VISION

Dental & Vision Add-Ons

Round out the package with dental and vision coverage employees actually use and notice.

LIFE

Group Life Insurance

A straightforward benefit that adds real value to your offer without a large added cost.

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Group insurance is often cheaper than employees expect

Because the risk is spread across your whole team, group rates are frequently more affordable than what employees would pay shopping for individual coverage on their own.

How It Works

Three steps, no pressure, no obligation.

1

Tell us about you

Your zip code, household size, and income β€” takes under a minute.

2

We compare real plans

Options from top-rated carriers, side by side, with your actual pricing.

3

Apply with confidence

A licensed advisor walks you through the details before you commit to anything.

Why Shop With FutureWise

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We're independent, not captive

We're not tied to one insurance company, so we show you what actually fits β€” not whichever plan pays us the most.

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Real humans, real answers

Every quote comes with access to a licensed advisor, not a chatbot script.

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No pressure, no obligation

Comparing plans with us doesn't commit you to anything.

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Local to San Antonio

We know the Texas market and the carriers that actually serve it well.

Also Worth Comparing

Coverage often pairs with these β€” take a look while you're here.

Health Insurance

Compare HMO, PPO, and marketplace plans that fit your budget.

Learn more β†’

Dental Insurance

Routine cleanings to major work β€” see what's covered.

Learn more β†’

Vision Insurance

Lower your costs on exams, glasses, and contacts.

Learn more β†’

Life Insurance

Protect your family's financial future long-term.

Learn more β†’

Frequently Asked Questions

How many employees do I need to qualify for group insurance?

Requirements vary by carrier and plan type, but many small-business group plans are available starting with just a couple of full-time employees.

Who pays for group insurance β€” us or the employees?

It's flexible. Many employers cover all or part of the premium and let employees pay the rest through payroll deduction, or cover it fully as a benefit.

Is group insurance tax-efficient for the business?

Premiums employers pay are generally tax-deductible as a business expense, which is part of why group coverage is popular with small businesses.

How long does it take to set up a group plan?

Timelines vary by carrier, but we can usually get a small business quoted and enrolled well within a normal benefits enrollment window.

Can employees add spouses or dependents?

Most group plans allow employees to add family members, typically at an additional cost that's usually still favorable compared to individual coverage.

What happens to coverage if an employee leaves?

Group coverage generally ends when employment ends, though employees may have options like COBRA continuation or a special enrollment period for a new plan.

Ready to see your options?

Talk to a licensed advisor and get your free quote today.