Group Health Insurance

Affordable Employee Benefits. Local Support. Trusted Carriers.

Offering group health insurance isn’t just a benefit — it’s a competitive advantage. At Downes Insurance, we help small and mid-sized businesses across Delaware, Maryland, and Pennsylvania find the right employee health plans at the right price.

Whether you’re a contractor in Dover, a law office in Elkton, or a retail business in Chestertown, we’ll help you build a benefits package that supports your team and your bottom line.

Why Offer Group Health Insurance?

Providing health benefits can help your business:

✅ Attract and retain great employees

✅ Improve morale and productivity

✅ Access potential tax advantages

✅ Offer better coverage at lower rates than individual plans

We make it simple — from quoting and enrollment to renewals and compliance.

Group Health Coverage Options

We help businesses of all sizes build custom benefit plans that may include:

Health Insurance

PPO, HMO, and High Deductible Plans
Health Savings Accounts (HSAs)
Traditional group health and ACA-compliant plans

Dental & Vision

Affordable group dental and vision packages
Optional add-ons or standalone coverage

Additional Employee Benefits

Group life insurance
Short- and long-term disability
Voluntary benefits (accident, critical illness, etc.)

We work with major carriers like Highmark, UnitedHealthcare, Aetna, and Blue Cross Blue Shield to bring you the best plan options for your team.

Who We Serve

We specialize in helping:

Small businesses with 2–50 employees
Growing companies with 50–100+ staff
Family-run businesses and partnerships
Trade contractors, medical offices, real estate teams, retail shops, and more

Don’t see your industry? Contact us — we’ll find the right fit.

Why Downes Insurance?

✅ Independent & Local – Serving DE, MD & PA for decades
✅ Licensed Experts – We simplify complex group health laws
✅ Flexible Options – ACA-compliant and private plans available
✅ Hands-On Help – Enrollment, renewals, and support — we handle it all

“We were overwhelmed trying to offer health insurance to our team. Downes Insurance explained everything and gave us three great options to choose from. Our employees are happy and so are we!”
— Beth S., Newark, DE

FAQs: Group Health Insurance for Small Business

Q: Do I have to offer health insurance if I have fewer than 50 employees?
A: No — but many small businesses choose to because of competitive advantages and tax benefits.

Q: Can I offer benefits if I only have 2 or 3 employees?
A: Yes! Many carriers offer small group health plans starting with 2 full-time employees.

Q: What does group health insurance cost?
A: Costs vary based on plan type, employee age, and location. We’ll shop around and find a solution that fits your budget.

Q: Do I need to offer dental and vision too?
A: Not required, but these low-cost add-ons can increase employee satisfaction and retention.

Get a Group Health Insurance Quote Today

Serving businesses in Delaware, Maryland & Pennsylvania
Call us at 302-422-8863

Serving Delaware, Maryland and Pennsylvania

Call Us: 302-422-8863

Group Health Insurance

Why Offer Group Health Insurance?