Question 1

What makes Horizon Insure Business Group different from other insurance brokers?

Accepted Answer

Most insurance brokers focus on shopping rates at renewal. Horizon Insure Business Group takes a plan design approach, reviewing how your current insurance and benefits are structured to identify smarter ways to control costs and improve coverage before renewal decisions are made.

Question 2

Do you only work with businesses in Pennsylvania and New Jersey?

Accepted Answer

Our primary focus is serving employers in Pennsylvania and New Jersey. This local focus allows us to provide more tailored guidance and hands-on support for regional regulations, carriers, and employer needs.

Question 3

What is a Plan Design Audit?

Accepted Answer

A Plan Design Audit is a structured review of your current insurance and employee benefits program. It identifies cost drivers, coverage gaps, and design opportunities so you can make informed decisions before renewal, without pressure to change brokers.

Question 4

Do I have to switch brokers to get a Plan Design Audit?

Accepted Answer

No. The Plan Design Audit is informational and educational. Many employers use it to understand their options before deciding whether any changes are needed.

Question 5

What size businesses do you typically work with?

Accepted Answer

We primarily work with small to mid-sized employers, typically ranging from 25 to 250 employees, who want more control over insurance costs and benefits strategy.

Question 6

Do you offer employee benefits as well as business insurance?

Accepted Answer

Yes. We provide both commercial insurance and employee benefits services, allowing us to design a coordinated strategy that aligns business risk protection with employee coverage needs.

Question 7

Can you help reduce rising health insurance costs?

Accepted Answer

Yes. Rising premiums are often driven by plan structure, funding methods, and utilization patterns, not just carrier pricing. Our plan design approach focuses on addressing those factors to help control long-term costs.

Question 8

Do you offer self-funded or level-funded health insurance options?

Accepted Answer

Yes. Depending on your business size and situation, we may recommend alternative funding strategies such as level-funded or self-funded plans to improve transparency and cost control.

Question 9

When should I contact an insurance broker before renewal?

Accepted Answer

Ideally, employers should start reviewing options 60 to 120 days before renewal. This allows enough time to explore plan design opportunities rather than being forced into last-minute rate shopping.

Question 10

How do I get started?

Accepted Answer

The best first step is scheduling a Plan Design Audit. This provides clarity on your current insurance and benefits program and helps determine whether better options are available before renewal.

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