We Find the right plan for your team
From flexible PPOs to budget-friendly HMOs — plus voluntary benefits and retirement strategies to round out your package.
Core Coverage
Coverage Options
The foundation of every benefits package — choose the network and structure that fits your team.
ACA Plans
Marketplace CoverageAffordable Care Act plans offer comprehensive, guaranteed-issue coverage through the federal Marketplace — with income-based subsidies that can dramatically lower monthly premiums.
- Covers all 10 essential health benefits
- No denial for pre-existing conditions (on ACA-compliant plans)
- Premium tax credits & cost-sharing subsidies
- Metal tiers: Bronze, Silver, Gold, Platinum
QSEHRA
Small Business HRASet a predictable benefits budget and reimburse eligible employees tax-free for individual health coverage and qualified medical expenses.
- For eligible employers with fewer than 50 full-time employees
- Employer-defined monthly allowance
- Employees choose their own qualifying coverage
PPO Plans
Maximum FlexibilityVisit any provider without a referral. Out-of-network coverage included.
- No referrals needed
- Wide network
- Out-of-network coverage
HMO Plans
Cost-EffectiveCoordinated care through a primary care physician at lower premiums.
- Lower premiums
- Coordinated care
- Preventive focus
HSA Compatible
Tax-AdvantagedHigh-deductible plans paired with Health Savings Accounts for triple tax benefits.
- Triple tax advantage
- Funds roll over
- Lower premiums
Dental & Vision
Complete CoverageSupplement your medical coverage with comprehensive dental and vision benefits.
- Preventive 100% covered
- Frame discounts
- Low-cost add-on
Voluntary Benefits
Supplement your package
Your team has bills and if they don't work, they don't get paid. Add affordable, employee-paid options that fill the gaps left by major medical — and dramatically increase the perceived value of your benefits package.
Disability Insurance
STD & LTDShort-Term and Long-Term Disability coverage that replaces a portion of income if illness or injury keeps an employee from working.
- Short-Term Disability (STD)
- Long-Term Disability (LTD)
- Income protection up to 60–70%
Hospital Indemnity
Cash BenefitPays a fixed cash benefit directly to the employee for hospital admissions and stays — used however they need it.
- Cash paid directly to employee
- Helps cover deductibles
- No coordination of benefits
Critical Illness
Lump SumA lump-sum cash payout upon diagnosis of a covered illness like cancer, heart attack, or stroke.
- Lump-sum benefit on diagnosis
- Covers cancer, heart attack, stroke
- Use funds for any expense
The Razor's Edge
A complimentary benefit for your employees
Protect their today.Plan for their tomorrow.
Your employees deserve more than just a health plan. As a Razor Benefits Group client, your team unlocks free 1-on-1 access to a dedicated retirement strategy planner — at no cost to your company.
They'll get personal guidance on everything from cash-value life insurance to mortgage protection and live event planning. It's a high-value perk most companies can't offer — and one your team will remember.
- Free 1-on-1 consultations for every employee
- No cost to the employer — included with your group plan
- Ongoing access, not a one-time call
Debt Free Life
Also known as “Be Your Own Bank” — a cash-value life insurance strategy that helps eliminate debt in 9 years or less and build retirement savings, without spending additional money each month.
Mortgage Protection
Term life coverage designed to pay off your mortgage if something happens to you.
IUL's
Permanent life insurance with tax-advantaged cash value growth tied to a market index.
Live Event Planning
Tax-advantaged strategies for life’s major milestones — including college tuition, weddings, down payments, and family vacations — without derailing retirement.
Final Expense Planning
Whole-life coverage that helps your family handle funeral and end-of-life costs.
Wills and Estate Planning
Your final wishes are important. We’ll refer you to one of our trusted legal partners to help you plan.
Not sure which plan is right?
Our licensed advisors will help you compare options and find the perfect fit for your team and your future.