Group Health Insurance for Illinois Businesses

At Hiett Benefits, we help Illinois employers build affordable, sustainable, and employee-friendly group health insurance programs. With over 30 years of experience, we understand the challenges businesses face—rising premiums, unpredictable renewals, and the need to attract and retain quality employees.

Our mission is simple: deliver better benefits for your team while protecting your bottom line.

Why Group Health Insurance Matters?

Your employees are your most valuable asset. A strong benefits program helps you:

Recruit and retain top talent
Increase productivity and morale
Reduce turnover and training costs
Provide financial security for your workforce
Strengthen your long-term business stability

Hiett Insurance gives you the expertise, carrier access, and support you need to offer quality coverage without overspending.

With the right resources, your team can do big things.

We don’t believe in one-size-fits-all insurance. Every business is different—your budget, growth goals, and risk tolerance shape the plan we build for you.

Fully Insured Plans

A traditional insurance structure where premiums are predictable and financial risk is limited.
Great for small to mid-sized groups looking for stable monthly costs.

Level-Funded Plans

A hybrid of fully insured and self-funded coverage.
Enjoy the benefits of lower premiums, claims transparency, and potential year-end savings—without large financial risk exposure.

Self-Funded Plans

Ideal for employers ready to take control of their healthcare costs.
We help you navigate stop-loss options, manage claims, and design a long-term cost-containment strategy.

Comprehensive Employee Benefits for Illinois Businesses

Services Overview

Group Health Insurance

Competitive medical coverage tailored to your workforce, from traditional fully-insured plans to cost-saving self-funded strategies.

Dee McCune

Vice President Michlig Holdings Inc and owner of McCune Farms

After being self funded for health insurance for 5 years we had a couple of bad years and it was time to make a change. Dan had personally called on us every year to touch base with us and when I decided it was time to make a change he was the first person I called. He was able to get us a great quote and transitioned us back into the fully insured market. He helped us every step of the way and went above and beyond to get us changed over. I was so impressed that he also gained my small group for our farming operation. I’m really glad that Dan took the time to call on us every year when we were with a competitor…that persistence has paid off and it has been a great relationship.

Tina Conard - Warren County Clerk/Recorder

Dan Hiett was able to provide Warren County with employee health insurance at a considerable savings, with the same health plan coverage, which was essential to our employees. He is professional, understanding to our needs and he is available anytime and always willing to listen to our questions. I would recommend Dan Hiett to anyone, whether you are an individual or a business!

Jennifer Beard , President of Farmers State Bank of Elmwood

Dan’s expertise in health insurance sets his agency apart from others. His knowledge of the group health insurance industry has allowed our bank to continue to provide an affordable group health insurance plan to our employees. He’s a trusted advisor who helps us solve problems and answers our group health insurance plan questions quickly. The personal attention Dan provides to our group health insurance needs makes my job easier, and I greatly appreciate the relationship that we’ve developed over the last few years.

Frequently Asked Questions

Exploring homeowners insurance can be intricate. Our FAQ section is tailored to offer clarity and address your queries.

Do employers have to offer health insurance?

The Affordable Care Act (ACA) requires Applicable Larger Employers (those with 50 or more full-time and full-time equivalent employees) to provide health insurance coverage to their full-time employees.

If an employer fails to meet this requirement, they may be assessed penalties by the IRS.

Small businesses that do not qualify as Applicable Large

Employers are not legally required by the ACA to offer health insurance to their employees.

State laws and regulations vary. Stay compliant by familiarizing yourself with the requirements in your state.

Should I offer dental insurance and vision insurance?

Offering dental and vision insurance can help your business stay competitive when recruiting. Many job seekers look at health insurance benefits, including dental and vision insurance, when choosing between jobs.

Preventive care can lead to savings in the long run. Both dental and vision healthcare have long-term benefits to employees and can help reduce absenteeism and may improve productivity.

What is critical illness insurance?

Critical illness insurance is a type of insurance policy that typically pays out a lump sum of money in the event that the policyholder is diagnosed with a serious illness such as cancer, heart attack, or stroke, depending on the specific policy.

Critical illness insurance is designed to help provide financial support to the policyholder and their family during a difficult time and can help cover the out-of-pocket costs of medical treatment, living expenses, and other related expenses.

What is a PEO?

PEO stands for Professional Employer Organization. PEO solutions typically help small and midsize businesses manage certain HR responsibilities and risks through a co-employment arrangement.

Co-employment is a relationship between a PEO and small business in which both parties share certain employer responsibilities. The PEO takes on certain HR and administrative tasks, such as payroll processing, benefits administration and securing workers’ compensation insurance, while the small business retains control over the day-to-day operations and management of their employees.

By working with a PEO, businesses can often save time and money while also gaining access to HR expertise and resources.

Does an employer have to offer COBRA?

COBRA stands for the Consolidated Omnibus Budget Reconciliation Act, which is a federal law that allows eligible employees and their dependents to continue their health insurance coverage after leaving a job or experiencing certain life events, such as a reduction in work hours or a divorce.

Generally, COBRA applies to group health plans maintained by employers that had at least 20 employees working on more than 50 percent of their typical business days in the previous calendar year.

For more information, see the U.S. Department of Labor FAQ about COBRA.

What is an SPD?

SPD stands for Summary Plan Description and is a document that outlines the features, rights, and responsibilities of a retirement plan or other employee benefit plan.

It is required by law to be provided to all plan participants and beneficiaries and must be written in a way that is clear and understandable. Failure to provide an SPD can result in a daily fine.

An SPD typically includes information on how the plan works, what benefits are provided, how to file a claim, and how to appeal a denied claim.