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Insurance Services
Why Major Medical
coverage?
Offering major medical coverage is about more than meeting a requirement. It shows your team they matter and protects your business from costly risks. At SafeHarbor Pacific, we make the process simple and strategic.
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As your broker, we work directly for you. We compare plans from top carriers, break down your options in plain language, and make sure your business stays compliant without overspending. Whether you have a two-person office or a growing team, we will help you find the right fit.
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Full ACA compliance with essential health benefits
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Protection from large unexpected medical expenses
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Stronger hiring power and employee retention
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Clear, honest guidance with a broker who puts your business first
"We had no idea where to begin with group benefits. SafeHarbor made it so easy.
They took the time to understand our business and got us a great plan within budget."
Marco V., Owner, SF Landscaping Co.
"Our last broker barely responded. SafeHarbor was the opposite. They were responsive, transparent, and made renewal season painless."
Danielle R., Manager, Bay Dental Group
"As a startup, we didn’t think we could afford good healthcare. John and his team helped us compare plans from six carriers and explained what actually mattered. Our team is thrilled."
Chris L., Co-founder, Skyline Logistics
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How many employees do I need to qualify for group health insurance?Generally, you only need two full-time employees to qualify for a group plan, and one can be the owner. The second employee however cannot reside in the same household as the owner.
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What carriers do you work with?We work with all major and regional carriers across the West Coast including Blue Shield, Kaiser, Aetna, Cigna, Anthem, Health Net, and UnitedHealthcare.
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Can I offer different plans to different employees?Yes. Many employers choose to offer tiered plans or contribution levels based on role or length of employment.
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What if my team includes remote or part-time employees?We help you structure a plan that works for hybrid or nontraditional teams, and we’ll make sure you meet participation and eligibility requirements.
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How do renewals and rate increases work?We proactively review your plan each year and negotiate with carriers before renewal. You’ll always know your options ahead of time.
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Do you charge fees to work with us?No. We’re paid by the carriers, not by you. Our job is to represent your interests and help you find the best value.
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Can you help us with compliance and paperwork?Absolutely. From ACA compliance to onboarding documents, we handle the details so you don’t have to.
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What if I already have a plan in place?We believe working with a broker should feel like a partnership built on shared values. If your current plan is working, we’ll confirm it. But if there's a better fit, whether it's stronger support, inclusive service, or more culturally aligned care...we’re here to help you make the move confidently and respectfully.
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