LightPoint Financial Group specializes in formulating custom traditional group health plans for all sizes of businesses.  If your company wishes to provide a traditional style health plan for your employees, then give us a call.  We represent all of the major carriers in the "Group Health" space. 

Features of a Traditional Group Health Plan

The Most Common Approach

Usually underwritten by one of the “Big 3.”

“Guaranteed Issue” plans as mandated by the Affordable Care Act.

Generally has higher premiums than other options.

Premium rates are subject to increase each year based on the experience of the underwriting insurance company.

Premium Paid by Employer is Tax Deductible for Employer and tax exempt to the employee.

Meets the Minimum Essential Coverage (MEC) imposed by the ACA. (Businesses with 50 or more employees)

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LightPoint Financial Group LLC is an independent financial services firm helping individuals create insurance and retirement strategies using a variety of insurance products to suit their needs and objectives. This website is for informational purposes only and does not constitute a complete description of our services or performance. This website is in no way a solicitation or offer to sell any insurance product or service outside of the states of Texas, Georgia, Florida, New Mexico, Iowa, Maryland, Michigan, Ohio, South Carolina, Tennessee and Virginia. Information throughout this site is obtained from sources which we, and our suppliers, believe to be reliable, but we do not guarantee the timeliness or accuracy of this information. Nothing on this website should be interpreted to state or imply that past results are an indication of future performance. THERE ARE NO WARRANTIES, EXPRESSED OR IMPLIED, AS TO ACCURACY, COMPLETENESS, OR RESULTS OBTAINED FROM ANY INFORMATION POSTED ON THIS OR ANY ‘LINKED’ WEBSITE. NOT FDIC INSURED. NOT BANK GUARANTEED. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.