A first group plan does not require the agency to pay a set share of the premium.
For small groups in Michigan, the employer contribution can be set where the agency is comfortable, including no contribution at all.
Access can come before a big commitment.
What Is Actually True
Owners often assume that offering group coverage means paying most of the premium. For a small group, a required minimum employer contribution does not generally apply in Michigan, so the amount is a business decision.
Employees who enroll can still pay through payroll deduction, often with pre-tax treatment, which can lower their cost compared with buying alone.
What We Do About It
We model a few contribution levels, from none to a modest share, and show what each costs the agency and the caregiver.
That lets you choose a level you can sustain, and revisit it at renewal as the agency grows. Contribution rules and tax treatment should be confirmed with your advisor.
How we handle it.
Model The Levels
We show cost to the agency and to the caregiver at several contribution levels.
Set The Payroll Deduction
Employee premiums are set up through payroll so enrollment is simple.
Revisit At Renewal
The contribution can change as the agency grows and the budget allows.
Questions on this topic.
Short answers for agency owners.
Is a minimum contribution required?
Not generally for a small group in Michigan. Carriers confirm their own rules at quoting.
Why offer a plan with no contribution?
It gives caregivers access to group coverage and payroll deductions, and it can be a first step toward a larger benefit.
Can we raise it later?
Yes. Many agencies increase the contribution over time.
General information, not legal or tax advice. Confirm the rules that apply to your agency with your attorney or tax advisor.
Send us your renewal.
We’ll tell you whether it looks competitive, where we see opportunity, and the five questions we’d put to your carrier. No cost, and no obligation to move anything.
The renewal letter
Your current plan summary
Contribution split by tier
Enrolled counts by tier
Four documents, two more if your group is 50 or more. Nothing else; every extra one is a reason to postpone.
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