A real group plan for your team through ITH SmartCare, plus list billing, ICHRA and in-house dental, vision, accident, disability and term life, all from one independent advisor. We compare the options, run enrollment and stay on your account.
Small employers face the same pressures as big companies, with fewer people to deal with them. KFF’s 2026 survey puts the average employer family premium at $28,303, up 5% in a year.
Premiums jump every year, with little explanation and few alternatives offered.
Candidates compare benefits, and small teams often lose out to larger employers.
A single 24-year-old and a family of five need very different coverage.
Owners and HR already wear many hats. Benefits shouldn’t take over the week.
5,000+Employees we help cover today, across all of the businesses we serve.
Our primary group option
A small-group major medical program with three plan levels on the Cigna network. An integrated gap design is intended to reduce what your employees owe when they use the plan. It requires a minimum of 5 enrollments.
Access Value · Cigna EPO
$499.88per month, employee only (2026 best available rate)
Integrated gap example: remaining out-of-pocket of $3,500 individual / $7,000 family for eligible expenses.
Access Protect · Cigna EPO
$599.00per month, employee only (2026 best available rate)
Integrated gap example: remaining out-of-pocket of $1,500 individual / $3,000 family for eligible expenses.
Access Premier · Cigna PPO
$699.69per month, employee only (2026 best available rate)
Integrated gap example: remaining out-of-pocket of $0 for eligible expenses.
| Coverage tier | Access Value | Access Protect | Access Premier |
|---|---|---|---|
| Employee only | $499.88 | $599.00 | $699.69 |
| Employee + spouse | $1,078.74 | $1,188.74 | $1,298.74 |
| Employee + child(ren) | $970.21 | $1,070.21 | $1,170.21 |
| Family | $1,495.00 | $1,595.00 | $1,604.33 |
Best available rates shown. Your group’s final rates are confirmed with your quote. Emergency room care is $500 plus 30% after the deductible on all three plans. Prescriptions are $0 / $35 / $75 / $200 for generic, preferred, non-preferred and specialty drugs.
These plans are not ACA minimum essential coverage or minimum value plans, and the integrated gap is designed to reduce eligible out-of-pocket costs, not guaranteed to. Some services need authorization, and benefits, exclusions and limits are set by the plan documents. We walk through all of it with you before you decide.
ITH SmartCare is powered by New Journē Consulting. Program information only. Objectives are not guarantees of savings or coverage.
We’re independent, so we show you the options side by side and recommend what fits, not what one carrier sells. The ITH SmartCare group plan is where most teams of five or more start.
A small-group major medical program with three plan levels, one shared plan for the team and an integrated gap design intended to reduce eligible out-of-pocket costs. Requires a minimum of 5 enrollments.
Best forTeams of five or more that want one plan for everyone
Primary option
Each employee gets their own plan, and you pay one consolidated monthly bill. Prices are set by age, so a healthy team often sees the lowest monthly cost of any option here.
These are short-term medical and health sharing options, not ACA plans. They include a health questionnaire and do not cover pre-existing conditions. OneShare is health sharing, not insurance.
Best forHealthy teams that want the lowest cost with simple admin
Not ACA coverage
You set a monthly allowance by employee class. Each employee picks their own ACA plan from the individual market and you reimburse them, tax-free for qualified expenses. It stays employer-sponsored, and ACA protections, including pre-existing condition coverage, apply to every employee.
Best forA fixed, predictable budget with employee choice
ACA coverage
Dental, vision, accident, disability, term life, hospital, critical illness and fixed indemnity, often offered as voluntary, employee-paid benefits. We run all of it in house and give each employee an enrollment link.
Best forRounding out any package
Availability varies by state, group size and carrier. Final benefits are set by each plan’s official documents. Need something different, such as ACA small-group coverage? Ask us what else is available for your business.
The biggest difference is whether the coverage is ACA coverage. That affects what is covered and who can be approved.
| Option | Who picks the plan | Employer cost | Pre-existing conditions | Minimum to start |
|---|---|---|---|---|
| ITH SmartCare | One plan for the whole team, from three Cigna network levels | Monthly rate by coverage tier, and you choose your contribution | Per the plan documents | 5 enrollments |
| List billing | Each employee, from the carrier options we quote | One monthly bill, set by age | Not covered | Works for small teams |
| ICHRA | Each employee, from ACA individual plans | Fixed monthly allowance you choose | Covered (ACA) | Works for small teams |
| Supplemental | Each employee opts in | Often none (voluntary) | Varies by product | Varies by product |
Short-term medical, fixed indemnity and supplemental plans are not comprehensive major medical coverage.
Spotlight
An Individual Coverage Health Reimbursement Arrangement lets you give employees a set amount for health insurance. Each person chooses their own ACA plan, and you still offer it as an employer benefit.
One bill for the business, with each employee on the plan that fits them. It is the most common route for healthy teams that want to keep costs down.
Short-term medical with a deductible you choose.
One application covers up to 36 months.
Health sharing, where members share eligible bills.
Plan details, prices and availability vary by state, age and carrier, and are confirmed at application. Short-term medical plans do not cover pre-existing conditions and are not ACA coverage.
Many employers pay for core medical and offer the other layers as voluntary benefits. Your team gets more, and your cost stays where you set it.
Supplemental and fixed indemnity plans pay set benefits and do not replace major medical coverage.
Low-cost benefits employees use and notice all year, through Allstate and UnitedHealthcare.
Accident, disability, term life, hospital, critical illness and fixed indemnity through Allstate, UnitedHealthcare, Aflac and New Era.
ITH SmartCare group plan, list billing or ICHRA.
Group coverage typically takes about 30 to 45 days to set up before your start date. The steps overlap, so the sooner we begin, the more start dates you have to choose from.
A short call about your team, current plan and goals, plus your census.
Real quotes on two or three structures, side by side. You choose.
We handle applications, carrier approval and billing.
We meet with your team, answer every question and get ID cards out.
Count back 30 to 45 days from it. If that date is close, send us your census now and we’ll tell you what is realistic.
Employee censusAge, ZIP code and coverage tier for each person.
Current plan detailsYour summary of benefits and latest renewal, if you have one.
Budget goalWhat you’d like to contribute per employee each month.
Start dateWhen you want coverage to begin, and any renewal deadline.
We work alongside your firm on benefits for your business clients, including group plan design, ICHRA and QSEHRA setups. You keep the client relationship; we handle the coverage.
Devin will reach out within one business day. Want to lock in a time now?
Book a partner callReviews from small business clients, in their words.
“We have three small businesses and Devin manages coverage for all of them without us having to juggle three different points of contact. He just handles it.”Small Business OwnerMulti-Business Group Benefits · Central FL
“We onboard new hires throughout the year, not just at open enrollment. Devin’s made that a non-issue — new employee, quick call, done. No scrambling.”Small Business OwnerGroup Benefits · Central FL
“As a business owner, the part I appreciate most is that Devin remembers our team and our budget every renewal. It never feels like starting over from scratch.”Small Business OwnerGroup Benefits · Florida
“We run a small team and needed group benefits that actually made sense for our budget. Devin handled the whole thing and checks in every year without us having to chase him down.”Small Business OwnerGroup Benefits · Central Florida
Typically about 30 to 45 days before the start date, depending on the carrier, plan type and how quickly we receive your census and employer documents. Starting early protects the start date you want.
It depends on the structure. The ITH SmartCare group plan requires a minimum of 5 enrollments. List billing and ICHRA can work for smaller teams. We’ll tell you which options your team qualifies for.
It is a small-group major medical program with three plan levels, Access Value, Protect and Premier, on the Cigna network. An integrated gap design is intended to reduce eligible out-of-pocket costs, and the plan documents govern what is covered. It is not ACA minimum essential coverage or a minimum value plan, so we walk through what that means for your business before you decide.
No. Our review and quotes are free. Brokers are generally paid by the insurance carriers. ICHRA administration platforms may charge a separate monthly fee, and we’ll show you any fees up front.
List billing options like Everest and UnitedHealthcare short-term medical are typically lower cost for healthy teams, but they use a health questionnaire and exclude pre-existing conditions. ACA coverage through an ICHRA covers pre-existing conditions and is available regardless of health. We’ll help you decide which fits your team.
Yes. We offer Allstate and UnitedHealthcare dental and vision, accident, disability and term life coverage, alongside any medical option. We handle it in house, and each employee gets an enrollment link.
Yes. Many employers keep their medical plan and add dental, vision or supplemental coverage. We can also shop your current plan at renewal.
Group plans and ICHRAs are for W-2 employees. Contractors can still get individual coverage through us, and we’re happy to help them directly.
No. Health sharing programs are not insurance and are not regulated as insurance. We explain the differences clearly before anyone enrolls.
We’re based in Oviedo, Florida, and our advisors are licensed in multiple states, including Florida, Alabama, Indiana, Kentucky, Louisiana, Michigan, North Carolina, Ohio and Texas. We have taken care of businesses across the US, so ask us about your state.
We’ll look at what you have now and tell you honestly whether we can improve it. No cost, no pressure.
Book your reviewCaldex Health · Independent licensed insurance agency · Devin Caldwell, Licensed Agent, NPN 20206030 · Florida resident license; licensed in additional states. License status can be verified at nipr.com.
Small business plans. Plan availability, benefits and pricing vary by state and carrier. ITH SmartCare is powered by New Journē Consulting; its plans are not ACA minimum essential coverage or minimum value plans, require a minimum of five enrollments, and are governed by the applicable plan documents. Short-term medical, fixed indemnity and supplemental plans are not comprehensive health insurance and do not meet ACA minimum essential coverage requirements; short-term medical plans generally do not cover pre-existing conditions. Health sharing programs are not insurance. Tax questions should be confirmed with a qualified tax professional.
Important disclosures. Caldex Health offers ACA-compliant health plans as well as products that are not comprehensive health insurance. Fixed indemnity plans pay a set dollar amount for covered events; they are not health insurance, do not pay based on your actual medical bills, and are not a substitute for comprehensive coverage. Short-term medical plans are not ACA-compliant, may exclude pre-existing conditions, and do not cover all essential health benefits. Health care sharing ministries (such as OneShare Health) are not insurance companies, their programs are not insurance, and payment of medical expenses is not guaranteed. Supplemental, dental, and vision plans have limitations and exclusions. Unless stated otherwise, these products are not minimum essential coverage under the Affordable Care Act. Plan availability, benefits, and pricing vary by state, and not all plans are available in all states. Caldex Health may be compensated by insurance carriers when you enroll. Caldex Health is not affiliated with or endorsed by HealthCare.gov, the Health Insurance Marketplace, Medicare, Medicaid, or any government agency. To explore comprehensive coverage on your own, visit HealthCare.gov or call 1-800-318-2596 (TTY 1-855-889-4325).