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Horizon Insure Business Group
Employee Benefits

Group Medical Insurance for PA & NJ Businesses

Health cost increases are not inevitable. Get real cost options before you renew. Serving employers throughout Bucks County, Montgomery County, Chester County, Delaware County, Philadelphia, Burlington County, Camden County, and Gloucester County.
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Stop accepting double-digit increases on off-the-shelf plans.

Health insurance costs are skyrocketing across Pennsylvania and New Jersey. Employers in Bucks County, Montgomery County, Chester County, and throughout the Philadelphia metro area are facing 15-20% annual increases.

We design customized medical insurance strategies for Pennsylvania and New Jersey employers with up to 250 employees that control costs without sacrificing employee care. Whether you're in King of Prussia, Bensalem, Cherry Hill, Trenton, or anywhere in the Mid-Atlantic region, we help you take control of your health insurance costs.

Get more data before you renew.

Why Pennsylvania & New Jersey Employers Choose HBG Insure

Local Expertise

Deep understanding of PA and NJ insurance markets and carrier relationships

Regional Network

Access to top carriers serving the Philadelphia metro area and South Jersey

Proven Results

Hundreds of businesses across Bucks, Montgomery, Chester, Delaware, Burlington, and Camden Counties trust us with their employee benefits

Personalized Service

We understand the unique challenges facing Mid-Atlantic employers, from seasonal workforce fluctuations to multi-state compliance

The problem

The "Renewal Hike Trap"

Most brokers deliver another 15-20% increase. Same carriers, same "off-the-shelf" plans. Choose higher costs or cut benefits.

  • Reactive Renewals: Scrambling 30 days before expiration
  • Wasted Premium: Paying for one-size-fits-all coverage
  • No Strategic Analysis: Missing opportunities to reduce costs through plan design

Our solution

Plan Design Audit

We analyze employee demographics to build a tailored benefits mix. Optimize design, lower costs, improve care quality.

  • Tailored Analysis: Specific employee demographics & risks
  • Optimized Structures: Funding & plan design for efficiency
  • Clear Comparisons: Before-and-after analysis with real savings

Medical Insurance Options

Pennsylvania & New Jersey Businesses Trust HBG Insure

These satisfied clients from across Bucks County, Montgomery County, and South Jersey started with a simple, no-obligation plan comparison...

Client result

$130,000

saved annually

“On our Blue Cross Plan, Chris provided identical Blue Cross coverage and we saved $130,000 annually.”
J&S Electrical|Plan Design Audit client

Request a Free Plan Comparison

24-hour turnaroundSecurely upload your benefit summary and get a customized plan comparison prepared for you within 24 hours.
Request Your Free Plan Comparison215-370-6019
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Medical insurance questions, answered

Straight answers about how a Plan Design Audit works, who it is for, and what happens next.

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Still have a question?

Talk directly with Chris Fisher at 215-370-6019, or start with a no-obligation audit.

Request a Plan Design Audit

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.