- Providing world class service and value for employee benefit group plans since 1987
In Pennsylvania, employee benefits and group health insurance play a vital role in helping businesses succeed and retain valuable employees. According to the Pennsylvania Department of Labor & Industry, the state’s unemployment rate has remained competitive, making it essential for businesses to offer attractive benefits to secure top talent. In fact, more than 60% of private-sector employees in Pennsylvania rely on employer-sponsored health insurance. Whether you operate a small business in Pittsburgh or a large company in Philadelphia, providing a strong employee benefits package can make a significant difference in employee satisfaction, retention, and productivity.
At Taylor Benefits Insurance, we help Pennsylvania businesses design and implement comprehensive employee benefit programs that make sense financially and meet employee needs. From group health insurance to wellness programs and retirement plans, our goal is to help you create valuable packages that keep your team healthy, happy, and loyal.
For Pennsylvania employers, offering group health insurance is more than a checkbox — it’s a smart investment in your employees and your business. Group health insurance helps employees access essential healthcare services, protects them from high out-of-pocket costs, and contributes to overall job satisfaction.
When Pennsylvania businesses offer health insurance, they often experience higher employee retention and engagement. In a competitive job market, benefits play a major role in attracting talent. Many employers also enjoy tax advantages when contributing to group health plans, making it a win-win.
Regardless of business size, offering employee benefits like health insurance is becoming the standard. Taylor Benefits Insurance works with businesses across Pennsylvania to design affordable and customizable group health insurance plans.
The ACA made many changes to healthcare insurance for staff of large companies. While most companies already provide medical coverage to their workers, the ACA ensures that all health plans meet specific standards for services and affordability. For example, the affordability requirement limits the number of employees’ premiums that subscribers can be required to pay.
The maximum is 9.12 percent of a subscriber’s gross income for individual coverage. That means that if a worker has a salary of $50,000, the maximum charge for their share is $4,560 annually.
Also, the ACA lists ten minimum essential coverage that all plans must cover:
Pennsylvania added to this list with the following medical insurance coverage requirements:
Employers can avoid those state-level requirements if they purchase their own healthcare benefits rather than purchasing insurance, but self-funding doesn’t grant an exemption from the ACA requirements.
Small employers aren’t required to provide health coverage for their employees. For many, the cost seems prohibitive. One reason is that per capita costs may be higher for small businesses since insurers evaluate the risks in the employee pool to determine subscriber rates.
Small businesses may find affordable small business medical insurance programs through the SHOP (Small Business Health Options) program developed as part of the Affordable Care Act (ACA). Your Taylor Benefits consultant can help you explore potential options. Further, small businesses with less than 25 workers may be eligible for small business healthcare benefits tax credit.
Beyond group health insurance, Pennsylvania employers are expanding their benefits packages to include a variety of additional perks. Some of the most common benefits offered include:
Group Health Insurance Plans: Offering access to PPOs, HMOs, and other health plans to cover employees and their families.
Dental and Vision Insurance: Many Pennsylvania businesses offer additional coverages such as group dental covers or vision covers to create a complete healthcare package.
Life and Disability Insurance: Protecting employees from unexpected life events with both life and disability insurance is increasingly popular.
Retirement Plans: 401(k) and similar plans help employees prepare for the future while offering employers tax benefits.
Paid Time Off (PTO) and Leave Policies: Pennsylvania employees value PTO, family leave, and other forms of paid leave.
Wellness and Mental Health Programs: Many employers are investing in employee wellness, including gym memberships, stress management programs, and mental health support.
Taylor Benefits Insurance helps businesses in Pennsylvania combine these benefits into balanced packages that suit both employers and employees.
Here’s everything you can add to your employee benefits package-
While Pennsylvania does not mandate that private-sector employers provide health insurance, businesses with 50 or more full-time employees must comply with the Affordable Care Act (ACA) regulations. These rules require employers to offer affordable and adequate coverage or face financial penalties.
Smaller businesses, though not obligated by law, often choose to provide group health insurance to stay competitive. Pennsylvania also offers small business health insurance options through the state and private insurers.
Taylor Benefits Insurance guides Pennsylvania businesses through both state and federal requirements, helping employers choose plans that meet regulations and budget limits
Taylor Benefits Insurance offers tailored employee benefits and group health insurance solutions for businesses across Pennsylvania. Whether you’re a small family-owned business or a growing corporation, we provide:
Customizable Group Health Insurance Packages: Including medical, dental, vision, life, and disability insurance options.
Regulatory Guidance: Ensuring you meet Pennsylvania and federal insurance laws, including ACA requirements.
Employee Education: Helping your employees fully understand and appreciate their benefits.
Benefits Administration Support: Making benefits easy to manage from enrollment to renewals.
We focus on finding the right plans for your team, keeping costs manageable while maximizing coverage.
Businesses that offer employee benefits in Pennsylvania enjoy several advantages:
Attracting Qualified Talent: Competitive benefits make your business stand out to skilled job seekers.
Employee Retention: Happy employees are more likely to stay long-term.
Increased Productivity: Employees with access to healthcare tend to be healthier and more focused.
Tax Savings: Many employer contributions to health and retirement plans are tax-deductible.
Positive Business Reputation: Businesses that prioritize employee well-being earn community respect and loyalty.
Taylor Benefits Insurance helps you design packages that deliver these benefits while fitting your budget.
Choosing a trusted partner is key when setting up group health insurance and employee benefits. Taylor Benefits Insurance has a strong record of serving businesses throughout Pennsylvania, from Harrisburg to Erie and everywhere in between.
As an independent insurance broker, we work with multiple insurance providers, ensuring you get the best rates and plan options. Our experience allows us to find creative, cost-effective solutions tailored to your unique needs.
Taylor Benefits operates differently than most insurance providers by functioning as an independent agent. This allows us the unique ability to fully customize the perfect team package by drawing from any number of traditional protection providers in order to get you the best deal possible.
We also recognize that insurance requirements are in near-constant flux in Pennsylvania. Because we understand the local conditions and regulations, you can rest assured we offer group coverage to all businesses operating in this unique state.
If you are ready to enhance your employee benefits and offer high-quality group health insurance in Pennsylvania, Taylor Benefits Insurance is here to help. Our team will work with you to design a plan that fits your budget and satisfies your employees.
Contact us today at 800-903-6066 for a free consultation and learn how we can help your Pennsylvania business provide outstanding employee benefits without unnecessary costs.
In PA, as is the case elsewhere in the US, comprehensive medical protection coverage is a tremendous relief for employees who need health care. Pennsylvania created a state-run health protection exchange (Pennie) to assist employers and individual subscribers with accessing coverage and managing ACA compliance.
Below are some frequently asked questions about health insurance:
90 percent of Pennsylvania workers have employer-sponsored insurance available. For single coverage, the average employer contribution is $5,878, absorbing 81 percent of the premium expense.
Health protection for small businesses in Pennsylvania is offered by:
Among the health benefits an employee may expect to receive in Pennsylvania are:
These options will help to protect and care for your employees and may assist you in recruiting and retaining high-quality workers.
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