Health insurance for manufacturing
Reliable group coverage built for shop floors, plant operations, and skilled trade teams.
Schedule a Consultation
2+
W-2 employees to qualify for a group plan
50 states
Licensed and quoting nationwide
$0
Broker fees — carriers pay us, never you
Why manufacturing is different
Manufacturers are in a quiet bidding war for skilled labor. Machinists, welders, and line leads can walk across the street to a competitor — and benefits are usually the deciding factor, especially for workers with families. But most small and mid-size shops have never had a benefits strategy, just a renewal.
We design manufacturing benefits around how a plant actually runs: multiple shifts, a mix of hourly and salaried roles, headcount that moves with order volume, and safety programs that deserve credit at renewal. The goal is a package your team talks about — at a number the owner can plan around.
We understand your challenges
- Skilled workers leaving for shops with better benefits
- Multi-shift teams that are hard to enroll and communicate with
- Hourly and salaried roles that need different plan structures
- Workplace injury exposure that inflates perceived risk
- Renewals that arrive with a rate increase and no strategy behind it
How we help
- Carrier options that actually compete for manufacturing groups
- Voluntary accident and disability layers workers opt into
- Tiered plan designs for hourly vs salaried classes
- Bilingual enrollment support across every shift
- A renewal strategy that starts 90 days out, not the week before
What we put in place
Tiered group medical
Class-based plans that let you structure salaried and hourly contributions differently while staying compliant — so the package fits the plant, not a template.
Accident, disability & life layers
Voluntary coverages that pay cash when someone is hurt off the line, adding real value without adding employer cost.
Shift-aware enrollment
Enrollment meetings and materials scheduled across shifts, so the night crew gets the same guidance as first shift — in English or Spanish.
Level-funded options
For healthier groups, level-funded plans can return unused premium at year end instead of locking it into a carrier's margin.
Who we help in manufacturing
- Machine shops, fabricators, and metalworking operations
- Food and beverage production facilities
- Plastics, packaging, and assembly plants
- Woodworking, cabinetry, and millwork shops
- Growing manufacturers hiring their first benefit-eligible employees
The coverage starts with you, but it stays with them.
Employees can keep their benefits for as long as they want — even if they move to a new job.
Frequently asked questions
Can we offer different plans to hourly and salaried employees?+
Yes. Group plans can be structured into employee classes — for example, a richer plan for management and a cost-controlled option for production — as long as the classes are defined consistently and non-discriminately.
Will our safety record affect our rates?+
Workers comp ratings do, but group medical is rated mostly on age, location, and plan design. That said, a strong safety culture often correlates with healthier claims history — which matters a lot on level-funded plans.
What is level funding and is it right for us?+
Level funding is a middle ground between fully-insured and self-insured: you pay a fixed monthly amount, and if claims run lower than projected, you can get money back. It works well for stable groups of roughly 10 or more employees.
How do we enroll night-shift workers?+
We schedule enrollment support around your shifts — on-site, by phone, or by video — and provide bilingual materials so nobody is guessing at their options.
Do you support multi-state operations?+
Yes. We are licensed in all 50 states and build plans for manufacturers with plants, warehouses, or remote sales teams across state lines.
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