Bring Us Your
Current Plan
Pick a time that works for you. We'll go through what your plan actually covers, where it leaves your employees exposed, and whether there's a better structure for the same money. If there isn't, we'll say so.
What Happens on the Call
Thirty minutes. No deck, no demo, no pressure. Just a straight look at what you have and what we'd do differently.
Your current plan, headcount, budget, and what's actually been frustrating you about it.
Specific to your situation: what would move the needle most, and what the tax and compliance side of that looks like.
No pressure and no follow-up games. If your current setup is already right, we'll tell you that too.
We write employer coverage for businesses based in:
Florida · Ohio · Michigan · South Carolina · Texas
You'll get a person, not a phone tree.
(813) 813-9877Or email, and we'll respond within one business day.
willman@willmanandpartners.orgQuestions We Get Asked
Straight answers, including the ones that don't help us sell anything.
Does it cost anything to switch brokers?
Broker compensation is built into carrier premiums, so moving your business to us as broker of record typically costs you nothing extra. There's no fee to switch and no fee to leave. Your plan, your carrier and your employees' coverage all stay exactly as they are.
What size company do you work with?
Small businesses with 2 to 50 employees. That's not a minimum threshold to qualify for attention, it's the only segment our practice serves.
Which states are you licensed in?
Florida, Ohio, Michigan, South Carolina and Texas. If your business is based in one of those states we can help, including when some of your employees live elsewhere.
Am I legally required to offer health insurance?
Generally not at your size. The ACA employer mandate applies to businesses with 50 or more full-time-equivalent employees, so most companies between 2 and 50 aren't required to offer coverage. Most of our clients offer it anyway, because it's what keeps good employees from leaving. We'll confirm where your specific business sits.
What's the difference between fully insured, level-funded and self-funded?
Fully insured means you pay a fixed premium and the carrier takes all the risk. Level-funded means you pay a fixed monthly amount split between a claims fund, stop-loss coverage and administration, with a possible refund if claims come in low. Self-funded means you pay claims directly with stop-loss insurance capping your exposure. Which one fits depends on your headcount, your claims history and how much month-to-month variability your cash flow can absorb.
Do you only handle health insurance?
No. Health is usually the first conversation but rarely the only one. We also handle dental and vision, group life, short-term and long-term disability including how maternity leave gets paid, hospital indemnity and other supplemental coverage, workers' compensation, and the tax and compliance work around all of it.
Most of my employees waive coverage. Is that fixable?
Often, yes. High waiver rates usually mean the employee's share of the premium is uncomfortable, not that they don't want coverage. Changing the contribution structure, the plan design, or adding a pre-tax arrangement can move that number substantially without increasing what you spend overall.
Can I actually reach someone after hours?
Yes. Benefits questions don't wait for business hours, so neither do we. You get a dedicated advisor rather than a rotating call queue.