Looking for an Ohio small business health insurance broker?
Whether you’re renewing your current plan, comparing quotes for the first time, or wondering if alternatives like a MEWA or level-funded plan could make sense, the first step is understanding which options are actually available to your business.
Health insurance isn’t one-size-fits-all. The options available to one company may not be available to another because of employee participation, eligibility requirements, underwriting, contribution strategy, or the characteristics of the group itself.
Since 1991, McCarthy Stevenot Agency has helped Ohio small businesses with 2–50 employees evaluate and compare health insurance options before making important health insurance decisions.
How Employers Usually Start
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.
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, MEWAs, level-funded plans, 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.
Compare Health Insurance Options for Your Business
Ready to see how those options apply to your business?
Tell us a little about your business and we’ll help you understand which health insurance options are worth evaluating before requesting final quotes.
Questions? Call 513-891-9888.
Not ready to reach out?
Start with our Ohio Small Business Health Insurance Guide to understand how ACA plans, MEWAs, level-funded plans, and ICHRAs compare.
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 plan that best fits your business.
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.
- Working with Ohio small employers: Helping businesses compare ACA plans, MEWAs, level-funded plans, and ICHRAs across Ohio.
- Independent 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.