Health Insurance Support for Trades & Field Service Teams

Support your crew. Win more jobs. Offer benefits without the HR burden.

Health Insurance for HVAC, Plumbing, Electrical & Field Service Teams

We help HVAC, electrical, plumbing, and other field service businesses in Pennsylvania, New Jersey, and Delaware offer health insurance that fits their team and their budget. Whether you’re setting up benefits for the first time or switching plans, our licensed advisors guide you every step of the way.

You Run the Jobs – We Handle Your Team's Benefits

Health insurance shouldn’t slow down your crew or bury you in paperwork.

Help for Owner-Operators Without HR Teams: Most trades businesses are owner-run with no admin support. We help set up plans, onboard employees, and keep everything organized without adding headcount.

First Time Offering Benefits? No Problem: We specialize in groups who are offering insurance for the first time. Whether you’re doing it to compete for talent, or just want to take care of your team, we make it simple.

Help for W-2 and 1099 Worker Mixes: Have 1099s, part-timers, or rotating workers? We walk you through eligibility and options – group plans, ICHRA, or other solutions that work for your business model.

Why Trade Companies Choose Us

Personalized Support from Real Advisors

You’ll work directly with a licensed advisor who knows how small contracting teams operate. We help you make decisions fast – no runaround.

Options from Multiple Carriers

We work with regional and national insurance companies so you can weigh cost, coverage, and networks in one place. No sales pressure.

Simple Tools for Busy Owners

We break things down clearly – what plans cost, who qualifies, and how to get started. No benefits experience needed. Just straight answers.

Common Pain Points We Solve

Offering benefits for the first time (“virgin groups”)

Balancing cost with coverage

Including family members or key workers

Managing mixed W-2 and 1099 staff

Keeping employees from jumping to competitors

Designed for Teams Like Yours

Best Fit

HVAC, plumbing, electrical, and general contracting crews

Common Need

Owner-led companies without HR

Good Match

Employers new to offering insurance

Flexible Setup

Teams made up of full-time, part-time, or seasonal staff

What You Get

Side-by-side plan comparisons (PPO, HMO, EPO)

ICHRA vs. Group plan guidance

Enrollment help for each employee

Optional dental, vision, disability and life add-ons

Renewal and compliance reminders

Compare Your Options: ICHRA vs. Group Health Insurance

Key Factor	ICHRA	Small Group Health Insurance
Cost Control	✓ High. You set a monthly budget	Moderate. Premiums can increase
Admin Time	✓ Low. No plan renewals	Moderate. More paperwork and prep
Employee Choice	✓ High. Any ACA-compliant plan	Medium. Limited by carrier options
Flexibility	✓ High. Works across locations/states	Medium. Depends on carrier rules
Compliance	✓ Full ACA compliance when designed right	✓ Must meet ACA and state rules

Find the best fit for your team

Frequently Asked Questions (FAQs)

Can I offer coverage if I have just 2 W-2s?

Yes, many carriers allow plans for small businesses starting at 2 employees. We’ll walk you through the requirements.

What if I pay some team members as 1099s?

Traditional group plans require W-2s, but ICHRA or stipends may work. We’ll help you figure out the best approach.

How much does it cost to offer benefits?

You choose how much to contribute. We model different options so you can offer coverage that works for your business.

What if someone quits or gets laid off?

We handle terminations, COBRA notices (if required), and offboarding questions so you don’t have to.

What Our Clients Are Saying

★★★★★

“I always experience effective/timely communication, and thorough answers to all my questions, thank you!”

Jess E. • 5-star Google review

Meet Our Small Group and ICHRA Advisors

Proudly partnered with

Looking for guidance specific to your state? See how HVAC coverage works in Pennsylvania, New Jersey, or Delaware.

Next Steps

Offering benefits doesn’t have to be hard. Let us do the heavy lifting.

Get a Quote Schedule a Call

No pressure. Just straight answers from advisors who work with small businesses every day.

Disclosures

We are compensated by the insurance carriers for policies you choose through us. There is no direct cost to you. Compensation may vary by carrier and product. Information on this page is for educational purposes and does not constitute legal, tax, or accounting advice. Please consult your professional advisors about your specific situation. Tax treatment of ICHRA reimbursements can vary by employer and employee. We are licensed to advise clients in Pennsylvania, New Jersey, and Delaware. Contact us to confirm availability in other states.