- Providing world class service and value for employee benefit group plans since 1987
Talent Magnet – Competition is fierce across tech, logistics, and professional services corridors from the Loop to Fulton Market. In recent SHRM polling, two‑thirds of Illinois job hunters said group health benefits outweigh salary bumps when choosing between offers.
Productivity Booster – Plans that include no‑cost preventive visits, virtual urgent care, and mental‑health counseling cut sick days and improve morale.
Tax Savings – Employer premiums are deductible, and employee contributions come out pre‑tax, trimming payroll taxes for everyone.
Reputation Lift – Chicago’s new Paid Leave Ordinance and rising cost of living make benefit generosity a public signal of corporate responsibility.
For companies paying $14,823 per employee in health costs in 2024, every unused benefit dollar counts.
Health insurance anchors the package, but Windy City staff respond best to layered perks:
Dental & Vision – Pairing Delta Dental of Illinois or EyeMed cuts total premium about 4 percent when bundled.
Health Savings Accounts (HSAs) – Workers enjoy triple tax advantages, and employers lower payroll taxes. State employees on high‑deductible plans receive roughly 88 percent premium support—an achievable benchmark for private firms.
Mental‑Health & Substance‑Use Care – Federal parity ensures counseling copays match medical copays; Chicago carriers now embed 24/7 tele‑therapy at no extra cost.
Disability & Group Life Plans– Critical for logistics, manufacturing, and building trades common in Chicagoland.
Lifestyle & Wellness – Gym stipends, commuter benefits tied to Metra and CTA passes, and nutrition coaching keep employees healthy and present.
When added smartly, these extras raise total premiums only 4–6 percent but boost satisfaction scores and retention.
The best group healthcare insurance plans are custom-written. At Taylor Benefits Insurance, we believe this and so do our clients. As an independent agency, we have the ability to provide custom group healthcare insurance plans that are not regulated by or limited by an insurance carrier or the federal exchange.
We offer the following group benefits in our group healthcare insurance plans:
As an independent agency, we research your needs, your competition, and the local policies and laws that pertain to your group’s healthcare needs. We take all this research and turn it into an actionable insurance plan.
Small businesses often struggle with the cost of healthcare. Since companies with fewer than fifty workers are exempt from the ACA mandates, they don’t have to provide coverage. Many small firms want to help their workers and share the burden. One option is a High Deductible Health Plan (HDHP) which may be a cost-effective choice when paired with a Health Savings Account. These accounts are different from the older Flexible Spending Accounts style and have more qualifying rules. The biggest hurdle for eligibility is a minimum deductible of $1,400 for an individual or $2,800 for a family. However, the deductible can be much higher, matching the allowable out-of-pocket maximum. That could be as much as $7,050 for an individual subscriber or $14,100 for the family.
Health Savings Accounts help workers manage their healthcare costs because they can use pre-tax income to pay for those expenses. In some cases, the company also adds funds to the HSA. Also, the money in the account isn’t subject to a “use it or lose it” provision like Flexible Spending Accounts. For example, suppose a worker has money in the account, but they don’t use it in the current calendar year. In that case, they can accrue it indefinitely (even into retirement.)
Taylor Benefits tracks every new bulletin so your policy documents and employee handbooks remain audit‑ready.
Discovery Call – Fifteen minutes to outline goals, pain points, and workforce profiles.
Market Sweep – We solicit real‑time bids from Blue Cross Blue Shield of Illinois, Aetna, UnitedHealthcare, Humana, Health Alliance, and stop‑loss carriers for level‑funded/self‑funded options.
Custom Blueprint – Clear side‑by‑side cost sheet—no jargon—and plan design recommendations matched to your culture.
Launch & Compliance – Turnkey enrollment meetings, bilingual materials, ACA 1095 reporting, and Chicago Paid Leave rule guides.
Year‑Round Advocacy – Claim‑resolution help, renewal forecasting six months out, and ongoing alerts as Illinois or Chicago rules change.
Our independent, carrier‑neutral approach means you always get advice that serves your bottom line, not a quota.
Whether you run a 12‑person marketing shop in River North or a 300‑employee manufacturer in Cicero, Taylor Benefits Insurance can craft a Chicago group health plan that protects your people, trims waste, and keeps you ahead of every rule change. Our three decades of Illinois experience, carrier‑agnostic mindset, and plain‑English advice have helped hundreds of Windy City employers stay competitive without blowing the budget.
Ready for a free benefits audit?
Contact Taylor Benefits Insurance today at 800-903-6066. Let’s build coverage that works as hard as your Chicago team.
Here are some answers to common questions regarding Chicago, Illinois, health insurance coverage.
You can find some of the nation’s best group health insurance providers through Taylor Benefits Insurance. Since we have provided reliable services for many years, you can always count on us to find a good deal for large group coverage.
Below is a list of the insurance companies we work with:
Taylor Benefits Insurance Agency provides the following benefits packages to businesses and employees in Chicago, Illinois:
Employees may contribute some amount to group health insurance programs. Employees’ monthly costs begin at $270 per month or $3240 per year. In comparison, employee payments are more than three times lower than the average American’s annual healthcare costs.
Here’s what you may want to consider. To provide health benefits to their employees and, in some situations, their families, employers pay a health insurance premium. On the other hand, the employee may only pay a fraction of this amount.
There are three ways in which small business health insurance in Chicago, Illinois, can benefit small business owners:
The first of insurance is known as Associate Health Plans (AHPs), however it’s not recommended for smaller businesses. This happens when an insurance company offers a large group health plan to a number of smaller businesses within an industry or region.
Group Coverage Health Reimbursement Plans are a second type of insurance. Employees would receive group health insurance through their employers. In addition, they will also give them a monthly allowance to cover other expenses.
QSEHRAs (Qualified Small Employer Health Reimbursement Arrangements) are the third type of coverage to consider. Employers provide their employees with benefits each month (at their discretion).
Small businesses should avoid self-funded health insurance plans. The employer pays the employee’s medical bills and prescribed medications when they arrive, instead of monthly premiums.
Todd Taylor oversees most of the marketing and client administration for the agency with help of an incredible team. Todd is a seasoned benefits insurance broker with over 35 years of industry experience. As the Founder and CEO of Taylor Benefits Insurance Agency, Inc., he provides strategic consultations and high-quality support to ensure his clients’ competitive position in the market.
Todd Taylor with Taylor Benefits gives our small business the kind of personal service we need. Insurance benefits are important to our employees and Todd helps us find a balance between benefits and value. Todd responds immediately to my phone calls & e-mails. He has even gotten in touch with me on a Sunday when we were in need of coverage answers immediately. We are very pleased with the hands-on service Todd and his staff provide.”
-Ken and Linda Orvick, Orvick Management Group, Inc.
We’re ready to help! Call today: 800-903-6066