Employee health benefits brokerage
Small Business Group Health Insurance, Compared for You
HRO Advisors is a benefits broker for small and mid-sized employers. We gather options from a network of 500+ providers and handle the back-and-forth for you.
- Compare plan options from a network of 500+ providers
- Free consultation with no obligation and no cost to you
- Add payroll, HR support and compliance help if you need it
Dallas-based benefits broker with access to 500+ providers across the United States.
Prefer to talk? Call 866-755-0288
See your group health options
Tell us about your team. A benefits advisor will follow up with options to review. No obligation.
What a benefits broker does for you
Options that fit your team
We look at your headcount, budget, locations and current coverage, then match you with providers who work with businesses like yours.
One conversation, many providers
Instead of calling carriers and PEOs one at a time, you get options pulled together from our network of more than 500 providers.
No cost to your business
Providers pay us a commission, so your consultation, comparison and negotiation support cost your company nothing.
Custom benefits package design
Medical is the starting point. We can also look at other benefits that help you attract and keep good employees.
Compliance support
Get help with ACA, ERISA, COBRA and labor law questions, plus employee handbooks, workplace policies and HR audits.
We negotiate for you
We take your quotes back to the providers and work on the rates and terms, so you are not doing it alone.
How we help you shop group health coverage
Group health is one of the biggest line items for a small employer, and the quotes are hard to compare. We collect the details once, ask providers in our network for options, and put costs, plan designs and services in one place so you can see the differences clearly.
There is more than one way to cover your team. You can work with a health plan provider directly, or go through a PEO or ASO that bundles benefits with payroll and HR. Many PEOs pool employees from many companies, which can open up plan options you may not see on your own. We explain each route and what it would mean for your business.
- Group health plan brokerage for small and mid-sized US employers
- Custom employee benefits package design around your budget and staff needs
- PEO route: co-employment with payroll, benefits and HR bundled together
- ASO route: outsourced HR and benefits administration without co-employment
- Side-by-side comparison of up to 8 PEOs, with cost analysis
- Direct negotiation of rates and terms with providers
- Compliance support for ACA, ERISA, COBRA and labor law
- Experience across technology, manufacturing, healthcare, non-profits, construction, hospitality and more
Why employers bring us in
“The team at HRO Advisors helped us identify the ideal combination of PEO and ASO services. We now have a flexible, cost-effective HR solution that ensures compliance without compromising on control.”
“HRO Advisors helped us navigate the crowded PEO landscape to find a partner who truly understood our needs. They simplified our HR, reduced our costs, and ensured full compliance across states. We're able to focus on growth without the usual admin headaches.”
What happens after you submit
We learn about your team
A benefits advisor contacts you to go over employee count, locations, current coverage and what you want to change.
We gather and compare options
We collect information from providers in our network and lay out plans, costs and services side by side for you.
You choose, we negotiate
We work with the provider you prefer on rates and terms, then support the switch. There is no obligation to move forward.
Frequently asked questions
What does your service cost?
Nothing for your business. Providers pay us a commission, so the consultation, the comparison and the negotiation support are free to you.
How much does small business group health insurance cost?
It depends on your employee count, ages, locations, plan design and how much of the premium you pay. We collect quotes from providers so you can compare real numbers for your own team.
Is there a minimum number of employees?
Requirements vary by provider and by state. Tell us your headcount and we will tell you which options in our network are a fit.
Do I have to join a PEO to get group coverage?
No. A PEO is one route. We also match employers with ASO providers, payroll providers and employee benefits carriers, and we explain the trade-offs of each.
Do you work outside of Texas?
Yes. We are headquartered in Dallas and work with employers across the United States. We do not serve businesses outside the US, and we do not sell individual or family coverage.
Can you help if my employees are in several states?
Yes. Multi-state coverage and compliance are part of what we review when we compare providers for you.
Ready to see your group health options?
Send us a few details about your team. A benefits advisor will compare options from our provider network and walk you through the choices. Free, and no obligation.
- Compare plan options from a network of 500+ providers
- Free consultation with no obligation and no cost to you
- Add payroll, HR support and compliance help if you need it
Prefer to talk? Call 866-755-0288