Group health insurance for your team — and you decide the budget
You pick a monthly amount per employee; we shop 1,000+ plans from 50+ carriers to fit it — and include free HR software and payroll integration, at no broker fee to you.
- Licensed in 7 states
- No broker fee to you
- Quote in 1 business day
Request a free quote
Three quick details. A licensed advisor follows up — no obligation.
Request received — thank you!
A licensed advisor will reach out within one business day. Prefer to talk now? Call (707) 659-6555.
No spam. We only use your details to prepare your quote.
Plans from 50+ national & regional carriers
A sample of the carriers we place coverage with — plus other national & regional insurers.
One broker. Everything benefits.
Coverage your team wants — plus the tools to run it
We pair real plan choice with software that used to cost employers extra. It's all included when you place your benefits through YouBenefit.
1,000+ plans from 50+ carriers
We shop the whole market for you — major medical, dental, vision, life and disability — and match coverage to your team and budget. No single-carrier bias.
Free HR software included
Every client gets an all-in-one HRIS at no extra cost: digital onboarding, document storage, PTO tracking and self-service benefits enrollment.
Payroll that connects
Benefits and deductions sync with your payroll, so new hires, changes and terminations flow through automatically — fewer errors, less double entry.
Employee mobile app
Your team carries their digital ID cards, plan details and enrollment in their pocket — so HR fields fewer questions and employees actually use their benefits.
Who we help
Built for small & mid-sized employers
You don't have a full HR department, and you don't have time to decode insurance. That's exactly who we set this up for — owners and office managers who want a benefits package their team is proud of, without the headache.
- Startups & growing teams offering benefits for the first time
- Established small businesses ready to switch from a hands-off broker
- Companies that want HR & payroll tools without paying for separate software
- Employers with 1 to 100+ W-2 employees across the states we serve
You set it
Choose a % or flat $ per employee
What it costs
You decide what you spend. We build the plan around it.
There's no single sticker price for group health — your rate is built from your team's ages, ZIP codes, and the plan tier you pick. The part you control is how much you contribute. Set an amount that fits your budget; we handle the rest.
Set a percentage
Cover a share of each employee's premium — many small businesses contribute around 80% of the employee-only plan. Carriers generally ask you to fund at least 50%.
Or set a fixed dollar cap
Pick a flat amount per employee per month — that's your max. No surprise renewal spikes, because your contribution is whatever you choose.
Example
On a $500/mo plan, you contribute $400 and your employee covers the $100 difference — about $46 per bi-weekly paycheck, deducted automatically through payroll.
Illustrative example, not a quote — your actual numbers depend on your team, location, and plan.
1,000+
Health plans to compare
Medical, dental, vision, life & disability — matched to your budget.
50+
Carriers, one advisor
We're independent, so we recommend what fits you — not one insurer.
$0
Broker fee & HR software
Carrier-compensated, so guidance and HR tools cost you nothing extra.
YouBenefit Insurance Services is a licensed insurance brokerage serving California, Colorado, Texas, Georgia, South Carolina, Tennessee & Kansas. We follow state and federal benefits regulations and keep your information confidential. NPN 8694362.
(707) 659-6555How it works
From quote to coverage in three simple steps
Tell us about your team
Share your company size, ZIP code and a contact email. It takes under a minute — no commitment.
We shop 50+ carriers
A licensed benefits advisor compares 1,000+ plans and builds options around your budget and your employees' needs.
You choose & we set it up
Pick the plan that fits. We handle enrollment, activate your free HR software and connect payroll — at no broker fee to you.
Questions
Frequently asked questions
How much does a broker cost us?
Nothing extra. Like most benefits brokers, we're compensated by the insurance carriers — not by you. You pay the same plan premiums whether you use a broker or not, so working with us simply adds expert guidance and free HR software at no added cost.
We're a small business — can we even offer group health?
Yes. In many of the states we serve, employers with as few as one W-2 employee (beyond the owner) can qualify for group coverage. We'll show you exactly what fits your size and budget.
Is the HR software really free?
The HRIS, onboarding and benefits-enrollment tools are included for our group-benefits clients at no separate software charge. We'll confirm what's included for your specific setup when we build your quote.
Which states do you cover?
We're licensed across California, Colorado, Texas, Georgia, South Carolina, Tennessee and Kansas. If your team spans several of these states, mention it on your quote request and we'll build options that fit.
I just need coverage for myself or my family — can you help?
This site is for employer group coverage. For individual and family health plans, visit our sister site ApplyCoverage.com — same team, built for individuals.
What happens after I request a quote?
A licensed advisor reviews your details and reaches out — usually within one business day — to confirm what you need. There's no obligation to enroll, and we'll never share your information with anyone outside the quoting process.
Group health + HR, handled.
Get a free, no-obligation quote — 1,000+ plans, 50+ carriers, free HR software, and a budget you control.