Who we serve / Offering benefits for the first time
Benefit Experts helps Washington employers turn workforce needs into a benefits plan. You do not need an existing plan to begin. Start with who you want to cover, a comfortable employer budget, and a target date.
Tell us your team size, locations, target start date, and budget range.
Confirm employee and owner eligibility with the proposed plan.
Separate employer contributions from employee premiums and use-of-care costs.
Plan decisions, paperwork, education, and enrollment before coverage begins.
The ACA employer shared-responsibility rules generally apply to employers with at least 50 full-time employees plus equivalents in the prior-year average. Other obligations can apply even below that threshold, including plan, contract, and state requirements. Once you offer coverage, use written eligibility and contribution rules.
Medical coverage may be one part of the plan, with dental, vision, life, disability, or voluntary benefits considered separately. Supplemental products are not a replacement for medical insurance. Ask for actual participation requirements and contribution options rather than assuming a standard minimum fits every carrier.
A practical example · illustrative
If a quoted employee-only premium is $600 per month and the employer chooses an approved $360 contribution, the employee share is $240 per month. Dependent coverage, other benefits, payroll frequency, and any separate vendor fees need their own calculation.
Availability, eligibility, and benefits depend on the proposed plan and its current terms.
We help connect the benefits decision with the people using and managing the plan.
Tell us your team size, locations, target start date, and budget range.
Compare actual plan costs, access, contributions, and the questions payroll or specialist advisers need to resolve.
We provide group, individual, and live virtual education, including shifts, multiple visits, new hires, and support after enrollment with the session scope confirmed before enrollment for client teams.
Begin with team size, work locations, desired start date, and budget range. We can explain the census information needed for quotes and how to provide it securely. No current plan is required.
Employee Navigator is available and customized at no extra cost for group clients who want it. Benefit Experts trains company administrators to enter new hires and terminations; Benefit Experts handles carrier changes. We coordinate third-party COBRA administrators that send and track notices. Vendor fees may apply, with waivers for some groups based on size and benefits package.
Sources checked September 19, 2026. General information; your plan and circumstances matter.
IRS · ALEIRS · fulltimeOIC · groupTell us your team size, locations, target start date, and budget range. No existing plan is required.
Compare group coverage, ICHRA, QSEHRA and supplemental arrangements.
Explore HRA strategies →Organize notices, reporting, leave and the people responsible for each task.
Read the compliance guide →Download resources to use with HR, payroll and employees.
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