As a small business owner, offering the right employee benefits can play an important role in attracting and retaining a strong crew. But with so many health insurance options — including fully insured plans, level-funded plans, and ICHRAs — navigating the choices can quickly become overwhelming.

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We work alongside business owners to simplify the process and help build a benefits strategy that makes sense for both the company and its employees. Whether you’re offering benefits for the first time, exploring ways to better manage costs, or looking for more flexibility in coverage options, we’ll help you compare plans and understand the pros and cons of each approach.

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Our goal is to help you find the right balance between quality coverage, predictable costs, and benefits your employees truly value. From fully insured small group plans to newer options like level-funded plans and ICHRAs, we provide clear guidance so you can make confident decisions without feeling lost in insurance jargon.

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At M/Y SHORELINE, we believe employee benefits shouldn’t feel like uncharted waters. We’re here to help you navigate the options with clarity, strategy, and personalized support for your business and crew.