To get the best deal on group health insurance, it's important to get multiple quotes from different insurance companies, just like you would shop around for any major purchase.
You can get a free online group health insurance quote from many different websites.
Since there are so many variables that will determine the cost, like the number of employees in the company, your location, the type of plan, the deductible, copay, and coinsurance rates, it would be a good idea to get as many quotes as possible, then work with an agent or broker to design the right plan and get the best deal.
First you need to decide what coverage you will be providing, whether add-ons or riders like maternity or dental are must-haves or not.
You should also prepare a census of your employees, outlining their sex, age, and number of dependents, as this will help you calculate how much premiums to assign per dependent.
Then your online group health insurance quote can compare plans by price, deductible, coinsurance, copay, or plan features.
Keep in mind that higher monthly premiums mean lower deductibles and out-of-pocket costs, and if a plan has copays, there is no coinsurance.
A plan can also have copays for some types of services, like office visits, and coinsurance for hospital services.
Some sites act as brokers, and some refer you to agents or brokers in your area.
Once you have a good idea of the kind of policy you want, you will have to work through a broker to obtain a contract.