Adelphi, Maryland Small Business Health Insurance

Adelphi’s small businesses — many immigrant-owned, alongside University of Maryland-adjacent firms and services — employ a genuinely varied workforce, and that variety is exactly why offering employees a choice of plan matters more than a single option.

Why offer more than one plan

A young single employee and a parent of three want different coverage. A Maryland small group lets you offer up to three medical plans, so you can pair a lower-premium option with a richer copay plan and let people self-select. Employer contribution set by tier keeps your cost controlled while the choice makes the benefit feel valuable.

The dependent piece

For a family-heavy workforce, funding part of the dependent premium reshapes your offer, usually for less than owners expect.

What you can offer

The structure is 2 to 50 employees, up to three medical plans plus dental and vision, with contribution varied by tier.

The cheapest plan and the priciest year

A low premium almost always hides a high deductible and steep coinsurance that lands on employees the moment they need care. Skipped care and unpaid bills follow, and so does turnover. A mid-tier plan with real coverage before the deductible usually costs less over the year. We compare on what your team actually spends, not the rate sheet.

What a broker is actually for

Because Maryland rates are community-rated, no broker can beat another on price — the only difference is the work. We shop all five major carriers, confirm the networks fit your team, model the contribution, and sit down with your employees until they understand their coverage. That ongoing service is the value, not a number.

Dental, vision, and the extras

Dental and vision are inexpensive — often $15–40 per employee a month — and valued out of proportion to their cost. Many medical plans also bundle telehealth and preventive care employees use week to week. We flag which carriers include the extras your team will actually reach for.

Where the tiers land

Bronze plans are cheap on the rate sheet and frustrating in use; Silver splits the difference; Gold offers real coverage before the deductible at a manageable premium. For most teams, a well-funded Silver or Gold beats the cheapest Bronze, which employees can’t afford to actually use. We match the tier to the people you’re trying to keep.

SHOP and the tax credit

Maryland employers can buy through the SHOP exchange on Maryland Health Connection or off-exchange with a carrier. The smallest, lower-wage firms may qualify for a credit worth up to half their contribution through SHOP. We check whether it applies to you and model the options.

The contribution that competes

The contribution decides whether employees enroll. Covering 70–80% of the employee premium with partial dependent support reads as serious; much less and enrollment thins. We model the split against your budget.

Getting started

Maryland group rates are community-rated and identical broker to broker, so the value is the menu design and the shopping. Send your census to Ja**@*******************up.com and we’ll build it. Free consultation.