Group health plans that work for your team
First Cover Health helps small businesses offer ACA-compliant medical, dental, and vision coverage. Licensed agents explain every option in plain language, so you can choose with confidence.
Plain-talk insurance glossary
We translate the jargon that trips up group health decisions. Here are the terms you'll actually see in your plan documents.
Deductible
The amount you pay out of pocket each year before your plan starts sharing costs.
Premium
The monthly cost you and your employer pay to keep your coverage active.
Copay vs. coinsurance
Copay is a flat fee per visit. Coinsurance is a percentage you pay after meeting your deductible.
Out-of-pocket maximum
The most you'll pay in a plan year. After that, your plan covers 100% of covered care.
HMO vs. PPO
HMO plans use a network and referrals. PPO plans offer more provider freedom for a higher premium.
In-network vs. out-of-network
In-network providers have negotiated rates. Out-of-network care usually costs you more or isn't covered.
Can a higher deductible actually save you money?
Run a simple math check before you pick a plan. First Cover Health walks you through how deductibles and premiums balance out for your team.
Low deductible
Higher monthly cost
per employeeYou pay more each month, but less before coverage kicks in.
Predictable out-of-pocket costs
Better for frequent care
Higher monthly premium
HSA may not be allowed
High deductible
Lower monthly cost
per employeeYou save on premiums, but pay more upfront before coverage starts.
Lower monthly premium
HSA eligibility possible
Good for healthy teams
Higher upfront costs
Pair with gap coverage
Stack the plans
Mix and match
by employeeOffer both tiers and let each employee choose what fits their health needs.
Two plan options
Employees pick their fit
Control your total budget
Simpler admin with one carrier
Not sure which tradeoff fits your team?
Ask an agentYour enrollment calendar questions, answered
Straight answers about when you can and can't enroll.
Group benefits terms, decoded
Plain-talk answers to the group benefits terms that usually get people stuck.
Your premium is the monthly price of your coverage. In group plans, your employer typically covers a large share, and your portion comes out of your paycheck. First Cover Health helps you compare the total picture.
Most agents wait until November. We start now.
Waiting costs you options. Lock in your 2027 coverage early, and compare plans on your timeline, not the carrier's.
Talk with Egan about your 2026 group plan
Bring your current plan details or questions. You'll get a straight answer and a clear next step, no pressure. We respond within one business day.