Fargo Group Health Insurance & Employee Benefit Plans

Choosing the right group health insurance and employee benefits plan is one of the most important decisions any business in Fargo, North Dakota can make. With health care costs steadily rising and employee expectations evolving, companies must stay competitive by offering strong, reliable benefits. According to the Kaiser Family Foundation’s 2024 Employer Health Benefits Survey, about 58% of firms in the U.S. offer health benefits to at least some of their workers. In cities like Fargo—where the job market is growing and industries range from healthcare to tech—offering a comprehensive employee benefits package isn’t just nice to have; it’s essential for recruitment and retention.

At Taylor Benefits Insurance, we help Fargo employers design affordable and flexible group health insurance plans that align with their business goals while also meeting their employees’ real-life needs. Whether you’re a small business with under 50 employees or a larger company looking to restructure your offerings, our team is ready to guide you toward effective solutions.

Why Group Health Insurance Matters for Fargo Businesses

Group health insurance isn’t just about meeting compliance or following trends—it’s about protecting your team and your bottom line. In Fargo’s fast-paced economic environment, where unemployment is low and skilled professionals have more job choices than ever, the right group plan helps build loyalty and keeps productivity high.

Some key reasons Fargo employers choose group health insurance include:

• Attracting top talent: Comprehensive benefits are one of the first things candidates look for when evaluating job offers.

• Improving employee health: Preventive care and routine checkups reduce absenteeism and long-term healthcare expenses.

• Tax savings: Businesses may qualify for tax advantages when they contribute to their employees’ health coverage.

• Boosting morale: Knowing their employer is invested in their health and family well-being boosts employee satisfaction.

When you choose a plan through Taylor Benefits, we help you sort through the many available options to find one that’s effective and affordable for your company

Employee Benefits Beyond Health Coverage

Employers providing group health insurance and employee benefits increases productivity among their employees due to the wellness cover to members and their families. The benefits are uniform so all employees are treated equally. The business gets tax relief enabling you to reinvest in your business. While group health insurance is the foundation, a complete benefits package includes more than just medical care. At Taylor Benefits Insurance, we help Fargo businesses design well-rounded employee benefits plans that support both physical and financial well-being.

Dental and Vision Insurance

Dental insurance typically covers preventive cleanings, exams, fillings, and more extensive procedures like root canals or crowns. Vision coverage can include eye exams, glasses, contacts, and discounts on corrective surgery. These benefits are essential because they help employees maintain everyday wellness, reducing distractions from untreated issues and preventing bigger problems down the line.

Life Insurance

Offering group life insurance provides peace of mind to employees and their families. It ensures financial support in the event of a tragedy, typically covering funeral costs and ongoing living expenses. Most group life plans are affordable and offer guaranteed acceptance without a medical exam.

Disability Insurance

Short-term and long-term disability insurance protect your employees’ income if they’re unable to work due to illness or injury. This benefit is especially valuable in Fargo’s industries that rely on manual labor, such as agriculture or manufacturing.

Retirement Plans (401(k), SIMPLE IRA)

A strong retirement plan—such as a 401(k)—shows your employees you’re investing in their future. You can choose to match contributions, offer vesting schedules, and select from various investment options. Retirement benefits help with long-term employee retention and provide significant tax advantages for employers.

Employee Assistance Programs (EAPs)

EAPs give employees access to confidential resources like mental health counseling, legal assistance, and financial planning. In today’s world, where burnout and stress are common, this type of support is more important than ever.

Each of these benefits plays a role in supporting employee satisfaction and overall organizational productivity.

Who We Are

Taylor Benefits is a group insurance and employee benefits plan brokerage located in San Jose, CA. We offer high quality services and value to both small and large companies across the United Sates. With over 25 years of experience, we work with all competitive insurance carriers across the country, on your behalf to get the best process for your plans.

Fargo city will benefit from Taylor Benefits integrated online HR system in administration of their HR and benefits plan. We confirm that your insurance carrier remains competitive in the market by analyzing your group health insurance plan at each annual renewal.

Insurance Products by Taylor Benefits

At Taylor Benefits, we offer different group insurance products to our clients. We strive to understand your business requirements and needs, then craft a plan that that will offer the best cover to your employees.

Our group health insurance and employee benefits include:

• Group health insurance plans
• Affordable Care Act (ACA) compliance
• Group pension and retirement plans
• Group dental and vision insurance plans
• Health Savings Account Plan (HSA)
• Section 125 cafeteria plans
• 401k savings plan
• Group short and long-term disability insurance plans
• Employee benefits and wellness plans

The Taylor Benefits Advantage in Fargo

At Taylor Benefits Insurance, our approach is centered on making group health insurance easier for Fargo businesses. We don’t just sell policies—we build relationships and long-term value. When you work with us, you get:

• Independent Plan Comparison: We’re not tied to any one provider. We compare multiple carriers and plans to find the best fit for you.

• Personalized Plan Design: Every plan is tailored to your industry, size, and budget.

• Ongoing Support: From renewal time to claims support, we’re always available when you need us.

• Annual Plan Reviews: We reassess your coverage each year to ensure you’re getting the best value without overpaying.

This kind of dedicated, one-on-one service is what sets us apart as a trusted name in Fargo group health insurance.

Start Building Your Employee Benefits Plan Today

Fargo businesses—from emerging startups to long-established firms—deserve a benefits partner who understands their goals. With healthcare costs continuing to rise and the talent market becoming more competitive, there’s no better time to revisit your group health and employee benefits strategy.

Let Taylor Benefits Insurance help you design a custom plan that reflects your company’s mission while supporting your employees in meaningful ways. Whether you need a complete package or want to build on what you already offer, we’ll guide you every step of the way.

Contact Taylor Benefits Insurance today at 800-903-6066 to request a free consultation and get a quote tailored to your Fargo business. Our experienced team is ready to make group health insurance simple, affordable, and effective.