🧭 Evaluating the Right Path for Your Organization

Choosing the right health benefits model can be overwhelming—especially for small businesses and nonprofits with limited internal resources. That’s where SBBMI comes in. We act as your strategic benefits partner, helping you evaluate whether a traditional group health plan or an individualized health insurance model is the better fit for your organization’s goals, budget, and team dynamics.

We don’t take a one-size-fits-all approach. Instead, we offer a personalized analysis of your current setup, your employees' needs, and the regulatory landscape. Whether it’s maintaining your group plan or exploring the flexibility of individualized plans through the ACA marketplace, we guide you through the pros and cons so you can make the most informed decision possible.

💡 The Power of the Individualized Strategy

Many forward-thinking organizations across West Michigan are now transitioning to individualized healthcare strategies—and they’re reaping the rewards. Through this approach, employers provide defined contributions toward their employees' healthcare, empowering staff to choose plans that suit their personal and family needs.

Best of all, ACA marketplace subsidies remain in effect through 2025, dramatically reducing premiums for many employees—especially those at lower and moderate incomes. This creates a win-win: employers reduce their benefits costs while employees gain more flexibility and potentially better coverage.

With SBBMI’s support, employers can:

✅ Reduce overhead and administrative burdens typically associated with group plans

✅ Minimize HR stress with streamlined implementation and compliance guidance

✅ Offer employees more freedom to choose coverage that fits their unique situation

✅ Access an experienced strategy partner who monitors legislative changes, evaluates options annually, and stays by your side

📆 Why Now Is the Time to Act

With 2025 subsidies in place and potential changes looming in 2026, this is the right moment to reassess your strategy. Forward-thinking organizations are already locking in savings.

Here at SBBMI, we've helped local businesses cut their benefits costs by over 20%, while their employees report higher satisfaction with their new, personalized coverage.

It's a true win-win for qualified groups who are ready to take a smarter approach to benefits—maximizing value for both the organization and its team members.

🤝 Let's Talk

SBBMI is proud to support the West Michigan business and nonprofit community with thoughtful, customized health benefit solutions. We’d love to learn more about your goals and explore how we can help.

Reach out to Tom Snikkers today for a no-pressure consultation:
📧 tom@sbbmi.com
📞 616-560-8994  🌐 www.sbbmi.com