A better approach to group health insurance 


According to a recent report from the National Federation for Independent Business, the cost of health insurance is the "most severe problem" facing American businesses.

We have developed powerful solutions to this problem for small to mid-sized firms in the United States. Not all companies qualify.

Easy for HR
Cost Effective
Custom Designs


Talk to Steve.

Use our plan designs or bring your own. We customize as needed!

We typically achieve 10-30% annual savings on group health insurance premiums while protecting the quality of your benefit package.

NO new administrative  
requirements and NO corporate COBRA responsibilities.

Is group health insurance your #1 problem?

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Quality Advantages

You're busy running your company. We get it.  
We designed this to be as stress-free as possible.

About Steve Ritchie
Steve is the President and Founder of Steve Ritchie & Associates, Inc. With over 37 years of experience in group health insurance and employee benefits, Steve has achieved deep mastery in his industry.

Steve's clients include...

► A national book reseller with 45 stores in the US. For 20 years he consulted on all of their personal & corporate insurance for all lines of P&C and benefits.

► Multiple municipal school districts and parks. For 10 years, he consulted on all their benefit programs as well as key person coverage.

► Children’s Oncology Service, Inc. For 10 years, he consulted on all of their P&C coverage.

► The LPGA tour. For the 4 year period of the event, he consulted on all of their P&C insurance coverage.

► John Cusack (actor, producer and screenwriter). He served as Cusack's insurance consultant and handled oversight of his personal and commercial P&C coverage related to national & international exposures.

► Jim Fannin (the World’s #1 Coach of Champions). As Jim's advisor for over 20 years, he consulted Jim on all his personal & corporate insurance exposures.

Steve is a sports and fitness aficionado. At this point in his career, his primary motivation is to support the philanthropic causes he cares about. Steve is deeply involved in a range of charitable activities supporting children and veterans.

Improved productivity means less human sweat, not more. - Henry Ford


Quotes In Just 10-15 Business Days
Straightforward underwriting process makes the application as easy as possible.
Anywhere In The U.S.
Our plans are approved throughout the United States for private companies or non-profits, including municipalities, universities and school districts.
Rate and Performance Guarantees
Plans include performance guarantees to protect your company and employees. Annual rate guarantee not to exceed 10% or you can non-renew your plan.
Dividend-Eligible Program
Share in the savings if your costs are lower than expected. Stop-loss insurance protects your company if costs are higher than expected.
Flexible Participation Requirements
In many cases it's possible to waive the participation requirements. Employers must apply with a minimum of 5 continuously covered employees.
Open Enrollment
Employees are eligible based on group's renewal date.
NO Premium Contribution Reqs
You can divide the contribution between employer/employee in whatever way makes sense for your specific situation.
Online Access
Your company has access to real-time plan information online. Employees get individual password-protected accounts to review their coverage 24/7.
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