Group Benefits and Personal Insurance Services We Provide

Need help with the Design and Implementation of a Benefits Plan for your Company and Employees?

We've got you covered.

At ECA Financial, we become an extension of your benefits department, working alongside you to design, implement, and manage a benefits plan that truly supports your team. Our hands-on approach means you have expert guidance at every step, including:

Evaluating Your Current Plans: We review your existing benefits to identify strengths, gaps, and opportunities for improvement.
Negotiating with Carriers: We handle negotiations for new or renewal insurance plans and rates, ensuring you get the best value.
Resolving Claim Issues: We smooth out claim problems quickly and efficiently, minimizing disruptions for your employees.
Coordinating and Administering Benefits: From paperwork to compliance, we assist with all aspects of plan administration.
Employee Communication: We provide clear benefit summaries, host employee meetings, deliver renewal presentations, and help explain plan details—so your team understands and appreciates their benefits.

Your benefits plan may include the following:

Medical Insurance
Dental Insurance
Short Term and Long Term Disability
Life Insurance
Long Term Care
Vision
Flexible Spending
Section 125 Plan for pre-tax premium deduction
COBRA

Need an Individual Plan?

If you’re retired, self-employed, a student, unemployed, or your job doesn’t offer insurance, the ACA marketplace (like Healthcare.gov or your state’s exchange) is your go-to. Open enrollment is November 1 to December 15 for everyone, or you can also sign up after special life events.

Individual ACA "Obamacare" health plans cover everything you’d expect - all the essential benefits plus maternity, pre-existing conditions, free preventive care - and most folks qualify for subsidies (premium tax credits) to help with premiums. To calculate out your subsidy, you’ll want to estimate your MAGI (modified adjusted gross) income (your CPA or financial advisor can help here, or just peek at line 11 on your last tax return).

Choosing the right plan can be tricky - some require referrals, some have different networks - so this is where a broker really shines. They can walk you through the options and help you pick what’s best for you.

Other individual insurance plans:

Disability (paycheck protection)
Dental
Long Term Care
Life
Life and LTC combo plans and annuities
Vision