Affordable Group Benefits for Every Budget
We help employers provide quality health coverage and employee benefits at prices that work for your business — including zero-cost options for businesses with no budget.
We help employers provide quality health coverage and employee benefits at prices that work for your business — including zero-cost options for businesses with no budget.
Yes, you read that right. We can help you provide valuable employee benefits at absolutely zero cost to your business.
Employees pay for their own coverage through convenient payroll deductions. You offer the benefit without any cost.
Leverage our buying power to get employees access to individual coverage at group-discounted rates.
Free wellness programs, discount cards, and other perks that cost nothing but add real value for employees.
Business Impact
80% of workers who are satisfied with their benefits are more engaged in their work.
SHRM
Organizations with employee benefits see 41% lower absenteeism and 28% lower turnover.
Harvard Business Review
71% of job seekers list benefits as their #1 motivator when applying for roles.
SHRM
At Insure Your Group, your satisfaction is our mission. We’re not just a provider—we’re your long-term partner in delivering affordable, high-quality healthcare benefits.
No long-term contracts. No hidden fees. No fine print. Just unmatched service and total transparency. If you’re not satisfied, you can cancel anytime with no penalties.
Why Insure Your Group
IYG programs are built so more employers can offer real benefits—without rigid rules that leave small teams behind.
Benefits for every business. IYG programs require no minimum employees (just 1!), no minimum budget ($0), and no complex qualifications. Every business is instantly eligible to offer benefits.
Whether full-time, part-time, or zero-hour contractors. Whether your team is salaried, hourly, or 1099, every employee qualifies for IYG benefits. At IYG we make sure no one is left behind.
Peace of mind with IRS Rule A. Stay compliant with Affordable Care Act (ACA) requirements automatically. IYG programs satisfy IRS Penalty A—protecting you from fines while supporting your team.
You focus on your business. We manage enrollment, employee support, benefit delivery, employer dashboard, and consolidated billing—so you don’t have to. IYG is full-service, start to finish.
Why Choose Us
We make providing employee benefits simple, affordable, and stress-free for employers of all sizes.
Solutions for every budget, including zero-cost options for businesses with no benefits budget.
Consultations available within 24 hours and coverage can begin in as little as 10 business days.
Dedicated account managers guide you through every step of the process, no automated systems.
We handle all the complex regulations so you stay compliant with federal and state requirements.
Comprehensive Benefits for Your Team
We offer a full range of group benefits designed to attract, retain, and protect your employees while fitting your budget—from major medical to dental, vision, life, disability, and voluntary options you can mix and match.
Medical coverage for your team—networks, deductibles, and plan designs that balance cost with access to care.
Learn moreStandalone or bundled coverage for exams, eyewear, and dental care—employer-paid, voluntary, or a mix.
Learn moreGroup life, AD&D, and short- or long-term disability to protect income and families when it matters most.
Learn moreEmployee-paid accident, critical illness, hospital indemnity, and more—expand choice with payroll deduction.
Learn morePrograms
Whether you have a generous benefits budget or no budget at all, we have options that work for your business.
$0
per employee / month
No budget for benefits? No problem. You can offer affordable healthcare options to your team at zero cost to your business. Our HealthGuard Access program gives your employees access to real benefits they’ll appreciate—without impacting your bottom line.
$25–$50
per employee / month
For the equivalent cost of roughly a $0.14–$0.28 hourly raise, you can offer a healthcare stipend that boosts retention, improves morale, and lowers turnover-related costs. Define a fixed monthly contribution that fits your budget and we handle the rest.
$50–$200
per employee / month
Bridge the gap between cost control and care. Offer employees robust health coverage with a simple, predictable contribution—fixed monthly amount or a chosen share. We take care of setup and admin so you get stronger retention and happier teams—without complicating payroll.
Varies
50–100% employer contribution
Invest in your team like a top-tier employer. Cover 50% to 100% of employee benefit costs to reduce voluntary turnover, build loyalty, and create lasting workforce stability—a high-impact move that pays off in productivity and retention.
| Program | Monthly cost to employer | Description |
|---|---|---|
| HealthGuard Access | $0 per employee / month | No budget for benefits? No problem. You can offer affordable healthcare options to your team at zero cost to your business. Our HealthGuard Access program gives your employees access to real benefits they’ll appreciate—without impacting your bottom line. |
| SharedCare Access | $25–$50 per employee / month | For the equivalent cost of roughly a $0.14–$0.28 hourly raise, you can offer a healthcare stipend that boosts retention, improves morale, and lowers turnover-related costs. Define a fixed monthly contribution that fits your budget and we handle the rest. |
| ContributeCare Access | $50–$200 per employee / month | Bridge the gap between cost control and care. Offer employees robust health coverage with a simple, predictable contribution—fixed monthly amount or a chosen share. We take care of setup and admin so you get stronger retention and happier teams—without complicating payroll. |
| PartnerHealth Advantage | Varies 50–100% employer contribution | Invest in your team like a top-tier employer. Cover 50% to 100% of employee benefit costs to reduce voluntary turnover, build loyalty, and create lasting workforce stability—a high-impact move that pays off in productivity and retention. |
Not sure which program fits your needs?
Book a Meeting
We are committed to serving a wide variety of customers as they explore their insurance options. Our full-service approach supports people and families in different life phases, making certain that all have opportunities to obtain the security and reassurance they need.
LEARN MOREWe are proud to partner with a diverse range of organizations, helping them provide essential insurance benefits. Their trust in our services is a testament to our commitment to excellence and reliable support.
Nationally Recognized for Benefit Excellence
Top 10 Benefits Company 2023 & 2024 — HR Magazine
Book a free, no-obligation consultation today. It only takes a few minutes, and we’ll show you options that fit your budget—even if you think you can’t afford benefits.
Or call us directly at 1-800-555-0123
