Health Insurance & Group Benefits for HVAC & Plumbing

QSEHRA and ICHRA administration for small employers who want predictable, tax-free health benefits

HRA administration platform that helps small employers including HVAC shops reimburse employees tax-free for individual health insurance through QSEHRA and ICHRA programs.

Health benefits that live inside payroll: shop, enroll, and deduct in one place

Payroll-integrated health benefits brokerage from Gusto that lets small employers including HVAC shops shop, enroll, and administer medical, dental, vision, HSA, FSA, and commuter benefits alongside payroll.

Modern PEO with enterprise-grade medical and ancillary benefits, plus unified HR, IT, and finance on one platform.

Rippling PEO bundles modern HR, IT, and finance software with enterprise-grade medical and ancillary benefits for small and mid-sized contractor businesses. Access to Aetna, Humana, and BCBS large-group plans sits alongside payroll, workers' comp, and device management in a single dashboard.

PEO that aggregates small employers to unlock large-group medical, dental, and vision rates.

Justworks is a certified PEO (Professional Employer Organization) that lets small and mid-sized HVAC businesses access large-group medical, dental, and vision benefits from national carriers like Aetna, Kaiser Permanente, UnitedHealthcare, and MetLife. By aggregating thousands of small employers under a master policy, Justworks unlocks benefit quality and pricing usually reserved for Fortune 500 companies.

HVAC/plumbing/electrical contractor buying group with discounted benefits, insurance, and HR partner access for member shops.

Service Roundtable is an HVAC, plumbing, electrical, and solar contractor buying group with more than 5,000 member shops. Membership unlocks discounted benefits, insurance partnerships, and HR partner access through the Roundtable Rewards program, plus training, marketing, and business tools.

Trade association with Federated Insurance partnership and chapter-level group health plans for plumbing, heating, and cooling contractors.

The Plumbing-Heating-Cooling Contractors National Association (PHCC) offers member-only group benefits, including Federated Insurance partnerships, 501 pooled health plans, and discounted business insurance designed specifically for plumbing, heating, and cooling contractors.

America's most trusted health insurance brand for small-group employer coverage

Nationwide federation of 33 independent health insurance companies covering 1 in 3 Americans, offering small-group medical, dental, vision, HSA, HRA, and FSA plans to employers including HVAC contractors.

Not-for-profit multi-association health trust offering group medical, dental, and vision benefits to ACCA members.

The Association Member Trust (AMT) is a not-for-profit multi-association health trust that offers group medical, dental, and vision benefits to members of ACCA (Air Conditioning Contractors of America) chapters. Designed for HVAC contractor businesses, AMT delivers association health plan pricing outside the ACA small-group market.

National small-group health coverage with multi-plan choice and HSA-compatible HDHPs

UnitedHealthcare's small-business health insurance for employers with 2-50 employees, offering SHOP-eligible medical, dental, vision, HSA, and multi-plan choice options with strong digital enrollment tools.

Online group-health marketplace and licensed broker that lets contractor owners compare multi-carrier small-group quotes without markup.

eHealth Small Business is an online group-health marketplace and licensed brokerage that lets HVAC contractor owners compare multi-carrier small-group quotes and enroll without carrier or broker markups. Their licensed agents earn the same regardless of plan chosen, removing commission bias.