Business health insurance shopping that works hard for you.

Answer a few questions and we’ll find the best rates in your area.

A simple switch.

Frustrated with your agent but like your plan? We can become your “Broker of Record”
and you can begin experiencing better customer service today. It’s a simple switch and costs you nothing.

Get A Quote

We partner with America’s
best insurance companies

Here’s just a few of our partners.

Welcome to “Happy to help.”

Frustrated with Group Health Insurance agents that get you enrolled only to disappear?
White Hat is dedicated to being accessible to you and your employees. So clear up your HR department and send those employer-sponsored insurance questions to us. And as always, it’s 100% free. That’s just how we do business.

Good to know …

Health insurance can be confusing, so we worked hard to make it simple.

If I’m Self-Employed (or own an LLC), can I get a Group Plan for myself (or my family)?

Yes! We work with self-employed and small business owners more than anything else. While some carriers have minimum employee and participation requirements, there are some crafty solutions for business owners. There are also new solutions that make you an employee of a company, so that you get access to group health plans. These strategies give you access to true group PPO plans.

I’ve heard of “self-funded” employer-sponsored plans, what is that?

Self-Funded (or Level-funded) plans are growing rapidly in popularity for companies big and small. They allow the business to have greater transparency into its premiums and assume more risk by essentially self-insuring up to a certain amount (beyond which it has insurance for claims above xx). Most appear like a normal insurance plan to the employees, giving simple access to a common insurance network, but save money for the…

Am I required to offer health insurance to my employees?

It depends on the state, but most of the time you are only required to offer health insurance if you have over 50 Full-Time Employees. It has become more of an expectation than a requirement for small businesses and can be a significant recruiting and retention factor for smaller business. There are many flexible options for small businesses including “Reimbursement Methods” that allow more individual choice for your employees.

Didn’t find what you are looking for?

Visit Our FAQ