McCarthy Stevenot Agency, Inc. is an independent Ohio small business health insurance broker helping companies with 2–50 employees compare realistic health insurance options and pricing based on their actual group—not generic online estimates.
Compare Health Insurance Options for Your Business
Questions? Call 513-891-9888
Tell us a little about your business. We’ll help you compare realistic options and pricing based on your employees, location, and coverage needs.
Most employers start by looking for quotes—and they should.
The challenge is that small business health insurance decisions often involve much more than comparing rates. Eligibility requirements, participation rules, underwriting conditions, contribution strategies, and plan structure can all affect which options are realistically available.
Our role is to help employers understand which options are worth evaluating before decisions are made based on quotes alone.
How Employers Usually Start
Most businesses begin with a short conversation about their current coverage, employee count, renewal timing, and goals.
When appropriate, a health insurance prescreen helps evaluate realistic options before carriers provide final pricing. Depending on the situation, that process may help employers compare ACA plans, level-funded arrangements, MEWAs, ICHRAs, and other group health insurance options.
In some cases, the review uncovers alternatives worth exploring. In others, it confirms that the current arrangement remains competitive.
The goal is not to create unnecessary disruption. The goal is to help employers make informed decisions based on a clearer picture of their options.
Many growing employers eventually incorporate annual prescreens into a broader health insurance renewal process that helps them evaluate options before renewal pressure develops.
Who We Help
We work with Ohio small businesses with 2–50 employees that are evaluating their health insurance options.
In many cases, employers come to us when they’re reviewing their current plan, exploring alternatives like MEWAs or level-funded options, or trying to understand why costs are changing at renewal.
As a family-owned small business ourselves, we understand the juggling act of running a business and taking care of your team’s well-being. Unlike large national brokers that often focus on bigger groups, we built our business around serving Ohio small employers.
Learn more about our background and approach on our About page.
We also speak with business owners in edge cases—such as one-employee companies or husband-and-wife businesses—where traditional group coverage may not apply, but other options may still be available depending on how the business is structured.
What We Help You Compare
We help employers compare the main ways to provide health insurance:
- ACA Small Group Plans: Traditional group coverage with community-rated pricing
- MEWA / Association Plans: Chamber-based options that may offer lower rates for eligible groups
- Level-Funded Plans: A hybrid approach with potential savings based on your group’s risk profile
- ICHRA Options: A reimbursement-based alternative to traditional group coverage
Each approach has trade-offs. We help employers understand which options actually fit their business before making a decision.
Explore our health insurance services and plan options for Ohio employers to learn more.
How We Help
Working with us is simple:
- Initial conversation to understand your business and goals
- Prescreen when appropriate so carriers can evaluate realistic pricing and plan options
- Side-by-side comparisons with clear guidance on trade-offs
- Enrollment support to ensure a smooth rollout
- Ongoing service and annual renewal review
In many cases, a structured prescreen process helps employers evaluate underwriting opportunities, renewal competitiveness, and alternative plan structures more accurately than simplified online quotes alone.
Every business is different, but the goal is the same: help you understand your options and choose the right plan with confidence.
Why Businesses Work With Us
- Focused on small businesses (2–50 employees): This isn’t just one of many things we do—it’s our main focus.
- Deep knowledge of Ohio’s market: Including ACA plans, MEWAs, and level-funded options across the state.
- Independent, unbiased guidance: We’re not tied to any carrier, so our recommendations are based on what fits your business.
- Hands-on service before and after enrollment: From initial quotes through renewals, you have a direct point of contact.
- No additional broker fees: You pay the same premium whether you work with us or go direct.
If your current plan is already the best fit, we’ll tell you that too.
Small Business Health Insurance Decisions Are More Complex Than They First Appear
We regularly see employers select plans that look fine on paper but do not hold up in practice, whether it’s coverage structure, cost assumptions, or how benefits actually work for employees.
Having a guide helps employers avoid those mistakes and make decisions that fit their business.
Need Help Understanding Your Options?
Our Small Business Health Insurance in Ohio Guide walks through how coverage works, including ACA plans, MEWAs, level-funded options, and alternatives like ICHRAs, which we explain in more detail here.
Read the guide to understand your options before comparing quotes.
You can also review required compliance disclosures on our Employee Health Insurance Notices page.
How to Get Started
Most businesses begin with a short conversation to review their situation and determine which options are worth exploring.
When appropriate, we use a prescreen so carriers can provide accurate quotes based on the actual characteristics of the group being evaluated.
From there, we present clear side-by-side comparisons and help employers understand the trade-offs involved.
Ready to Evaluate Your Options?
Whether you’re reviewing your current plan, preparing for renewal, or exploring alternatives, the first step is understanding which options fit your business.
Use the form above or contact us directly to get started.