Employee Benefits
Small Business Employee Benefits & Level-Funded Health Plans
The perfect solutions for the BEST and RIGHT benefits plan for your team.
Stonebridge Partners HR designs employee benefits for small businesses in The Woodlands, Houston and across Texas, with a focus on level-funded health plans. Level funding gives smaller employers many of the savings of self-funding with a fixed monthly cost. We quote level-funded and fully insured plans side by side, then add dental, vision, life and 401(k) options.
Medical Insurance
Dental Insurance
Vision Insurance
Life Insurance
Employee Benefits for Every Business
It takes more than a paycheck to create an amazing team. Stonebridge can offer affordable health benefits to support your team now and into the future.
- Medical Insurance
- Dental Insurance
- Vision Insurance
- Life Insurance
Attract and Retain Top Talent
Comprehensive Coverage for you and your employees. Build the best benefits package for your TEAM!
- Short & Long-Term Disability
- 401 (k) plans
- FSA, HRA, HAS
- Employee Wellness Programs
- Employee Assistance Programs
- Employee Discount Programs
Employee Benefits FAQ
What is a level-funded health plan?
A level-funded plan is a form of self-funding built for small employers. You pay a fixed monthly amount that covers administration, stop-loss insurance and a claims fund. If claims come in lower than expected, part of the unused claims fund may be returned to you, depending on the contract. Learn how level-funded plans work.
How small can a company be to qualify?
We typically require at least 5 enrolled employees.
Is a level-funded plan right for a company with 10 employees?
Often, yes. Many carriers offer level-funded plans to small groups, and a relatively healthy group can pay less than on a fully insured plan. Eligibility usually depends on underwriting, so Stonebridge Partners HR quotes level-funded and fully insured options side by side.
How much can a small business save?
Clients switching from fully insured plans have saved anywhere from hundreds to thousands of dollars a year, depending on group size, health and plan design.
Is level funding riskier than a regular health plan?
Stop-loss coverage caps what you pay for large claims, so your monthly cost stays fixed. The main tradeoffs are underwriting at enrollment and possible rate changes at renewal.
Which carriers do you work with?
BCBS, UnitedHealthcare, Aetna, Cigna, Allstate, Sana Benefits, Angle Health and Arlo.
What benefits can you set up besides health insurance?
Dental, vision and life insurance, plus 401(k) plans, all coordinated with your payroll on Rippling.