Employees Health Insurance · Specialty Trades
🔧 Group Health Insurance for Specialty Trade Contractors
🛠️ Your best techs always have other offers. Benefits are how you keep them in your truck. 🚚
Licensed trades are hard to hire and harder to keep. 🤔 When a competitor offers your lead tech the same pay plus coverage, what does he choose? Owners I talk with want a crew that sticks around for the next job. 💪 A group plan is one of the strongest tools for that. I’m Matthew Reilly, a licensed agent helping electrical, plumbing and HVAC contractors across California.
💬 Overheard at the shop
👨⚕️ “My guys just want cash.” 💵
👩⚕️ “Until their kid needs a school physical. 🏫 Then coverage is the first thing they ask about. Ever asked them?”
👷 Which crew members are eligible?Eligibility
California small group plans are built around permanent employees working full-time hours, generally 30 a week. Some carriers let you include employees with fewer hours. See how part-time employees count →
How many of your techs work full-time all year?
📅 Pick a Time to See Who on Your Crew Qualifies💻 Enrollment Made Simple
👨⚕️ “Online enrollment sets up benefits, onboards new hires and sends data straight to the carriers, at no additional cost to you.”
👩⚕️ “On top of that you get AI-powered plan guidance, a toll-free employee help desk, and 24/7 mobile and web access year-round. Most owners pay extra for that. What is your business paying for enrollment tools today?”
🚀 See the Enrollment Tools: Streamline Enrollment at No Additional Cost🤝 What about subs and union members?Crew Mix
1099 subcontractors are generally not part of your group. Employees already covered through a union health plan are usually handled separately and may not count toward your participation. See how 1099 contractors are counted →
How is your crew split between W-2, union and subs?
📋 Pick a Time to Sort Out Your Crew Mix🗺️ My crews work all over. Which network fits?Networks
Techs who drive between counties want doctors near home and near the job. Network type decides how far that reaches. Compare HMO, PPO and EPO →
Where do most of your crew members live?
📊 Request a Group Quote Built Around Where Your Crew Works