Health Insurance - Church Benefits Board

Health Insurance Solutions for Individuals and Churches

Church Benefits Board (CBB) partners with the Hilb Group to offer health insurance solutions for individuals and congregations. This multi-state employee benefits agency can assist you with the following:

For employers: Fully insured or level-funded group health insurance for 2+ employees (depending on your state)
For individuals: ACA individual health insurance available by zip code (no assistance from employer), as well as various ancillary benefits such as dental, vision and individual life as well as Medicare assistance for those aged 65+

Let us know of your needs and/or questions via our enrollment interest form.
After you submit the form, our broker will contact you.

Enrollment Interest FOrm

There are several approaches to offering health insurance, depending on the size of your church or organization and the needs of your staff. The three most common options include:

Small Employer Group Plan

Available to employers that have two or more eligible employees, this option
provides one health insurance plan for all staff and pre-tax premiums for employees.

Individual Coverage Health Reimbursement Arrangement (ICHRA)

Available to employers that have one or more employees, this option is a
hybrid of a small employer group plan and individual coverage. It allows each
employee to choose a health plan that is best suited for their family and offers pretax premium benefits for employers and employees.

Individual Coverage/Marketplace

For organizations that have only one employee on staff, Marketplace coverage may be an ideal option for ministers to utilize Marketplace subsidies to receive reduced premiums.

An Important Reminder About Marketplace Coverage: Ministers are only required to enter their taxable income for Marketplace coverage, which would exclude their housing allowance.

Are you seeking to provide a sustainable health insurance option for your employees? Here are some questions to consider:

How many employees are eligible for health insurance coverage? Eligibility simply means employees work more than 32 hours per week and are eligible for coverage from the church.
Will the employer be paying a portion of the employee’s premiums? Some small employer plans require a minimum percentage to be paid by the employer.
Is the employer willing to increase an employee’s overall compensation if the Marketplace is the best option for staff? Employers should not “reimburse” monthly premiums for Marketplace coverage. Rather, if the Marketplace is the best option, the employer can increase taxable compensation to reflect the amount of the premiums.

Review the chart below to see what important considerations need to be taken into account
when deciding which health insurance solution is best for your staff.

Let us know of your needs and/or questions via our enrollment interest form.
After you submit the form, our broker will contact you.

Enrollment Interest FOrm

Health Insurance Webinar Recording

Owen Smith of Hilb Group, our partner health insurance broker, shares insights into your options for health insurance. Watch the video!