Small Business Health Insurance

Let Michael Greco Insurance Be Your Advocate

Health insurance is one of the most meaningful investments a business makes—not just financially, but culturally. The right plan supports your people, reflects your values, and strengthens your ability to attract and retain talent.

At Michael Greco Insurance, we specialize in boutique group health insurance solutions, including traditional fully insured plans and alternative Level Funded strategies. Our approach is thoughtful, consultative, and designed to support organizations that care deeply about their teams.

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Who We Serve

We work closely with organizations that value stability, transparency, and long-term planning, including:

• Nonprofit organizations

• Medical and dental practices

• Professional service firms

• Engineers, architects, and technical teams

• Small to mid-sized businesses with diverse workforces

These groups often face unique challenges around cost, participation, compliance, and employee expectations—and benefit from a more tailored approach to benefits design.

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Traditional & Level Funded Health Plans

Every organization is different. That’s why we begin with understanding how your business operates before recommending solutions.

Traditional Fully Insured Plans
A familiar and reliable structure offering predictable costs, broad provider access, and straightforward administration.

Level Funded Plans
An alternative approach for qualifying groups seeking greater control and potential savings. Level funded plans may offer:

• Lower fixed monthly costs

• Protection against large claims

• Greater transparency into claims experience

• Potential refunds when claims are favorable

Level funding isn’t right for every group—but when it fits, it can be a powerful strategy.

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Independent, By Design

As an independent broker, we aren’t tied to any one insurance carrier. We provide access to all major group health insurers in California, and nationwide when needed.

This independence allows us to:

• Compare multiple carriers and plan designs

• Identify competitive and cost-effective options

• Provide objective, unbiased guidance

Our role is simple: to advocate for your organization and help you make informed decisions.

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A Complete Benefits Approach

In addition to group medical coverage, we help employers design a cohesive benefits offering that may include:

• Dental

• Vision

• Life insurance

• Disability insurance

Medical coverage is often the most visible benefit—but the surrounding pieces play an important role in supporting employee wellbeing and financial security.

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Service That Extends Beyond Enrollment

We support your plan from start to finish—and throughout the year.

Our services include:

• Plan design and renewal strategy

• Employee enrollments and ongoing changes

• Year-round support for employees and administrators

• Guidance through compliance and carrier processes

We combine modern digital enrollment tools with personal, responsive service. When questions arise, you work with people who know your plan and your organization.

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A Thoughtful Second Opinion

If you’re considering a new plan, curious about level funded options, or simply want to ensure your current coverage remains competitive, we’re happy to provide a no-obligation review.

We can also step in to service your existing plan without changing coverage—offering improved support and advocacy with no disruption to employees.

Clear guidance. Strong partnerships. Benefits designed with intention.