Expert Guidance for Your Employee Benefits
As an independent broker, we shop the market to find the best health, dental, and vision plans for your business. We work for you, not the insurance companies.
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Why work with Copper State Benefits?
Navigating the complex world of group health insurance is challenging. Going direct to a carrier limits your options and leaves you without an advocate.
- Market Shopping: We compare plans from multiple carriers to find your optimal balance of cost and coverage.
- Unbiased Advice: Our loyalty is to your business, ensuring you get transparent recommendations.
- Ongoing Support: We handle claims issues, renewals, and employee onboarding so you can focus on running your business.
Comprehensive Benefit Solutions
Everything you need to keep your workforce healthy, happy, and protected.
Health Insurance
Flexible medical plans providing extensive coverage options to suit diverse team needs and budgets.
Dental & Vision
Comprehensive add-ons ensuring your employees receive holistic healthcare support.
Life & Disability
Financial security programs to protect the long-term well-being of your staff and their families.
What is an ICHRA?
An Individual Coverage Health Reimbursement Arrangement (ICHRA) is a revolutionary way for employers to provide health benefits. Instead of a traditional group plan, you provide a tax-free reimbursement for employees to choose their own individual health insurance.
For Employers
- Total budget control with fixed monthly allowances
- No minimum participation requirements
- Simplified administration with no group plan renewals
For Employees
- Freedom to choose the plan and network they want
- Portability—they keep their plan if they leave
- 100% tax-free reimbursements for premiums
Why choose ICHRA?
It's the perfect middle ground between providing no benefits and the high costs of traditional group insurance. Tailor your contributions based on employee classes and locations.
Learn MoreReady to transform your employee benefits?
Contact Cliff today to discuss how we can build the perfect package for your Arizona business.