★★★★★ Independent Oklahoma brokerage · Multiple carriers compared · No cost to you
Your Local Small Business Health Insurance Broker
As your small business health insurance broker, CYA Insurance Agency helps small groups compare health insurance, group life, dental, vision, disability, and voluntary benefits for teams of 1–50 employees. We help you understand your options, estimate costs, and build a benefits package that fits your team and budget.
1–50 Employees
Group health insurance options for small teams. We'll help you compare plans that fit your budget and give your employees meaningful benefits without the complexity of large-group coverage.
Self-Employed & Solo Owners
Running a business on your own doesn't mean going without coverage. We'll help you compare individual health, dental, vision, and supplemental options that work for your situation.
Existing Group Plan Review
Already have a group plan? We'll take a look at what you're paying and compare whether better-fitting options are available — at no cost to you.
Life & Supplemental Benefits
Adding life, dental, vision, accident, or critical illness coverage can help you attract and retain good people. We'll help you compare options that fit your team and budget.
Coverage Options for Your Team
We’ll help you compare practical benefit options that can support your employees and strengthen your overall benefits package.
Group Health Insurance
The cornerstone of any benefits package. We'll help you find group medical coverage that keeps your employees healthy and your business competitive when recruiting top talent.
Dental & Vision Plans
Affordable add-ons that employees love. Group dental and vision coverage can often be bundled with your health plan for a lower overall cost than purchasing separately.
Group Life & Disability
Protect your team and their families with group life insurance and short or long-term disability coverage — benefits that show your employees you truly have their back.
Voluntary & Supplemental Benefits
Give your employees access to accident, critical illness, and hospital indemnity plans at group rates — at no direct cost to your business.
How Small Business Health Coverage Works
Here’s what it looks like to work with us on your small business health coverage from start to finish.
Step 1: We Review Your Situation
We start by learning about your business, number of employees, budget, current coverage, employee needs, and renewal timing.
Step 2: We Compare Your Options
We compare available health, dental, vision, life, supplemental, and group benefit options from multiple carriers so you can see what may fit your team.
Step 3: You Choose, We Handle the Details
Once you choose a direction, we help with enrollment, forms, employee questions, and ongoing support after coverage begins.
What We Review for Small Business Coverage
Before we recommend a direction, we review the details that actually determine what fits — so our recommendation is built around your business, not a generic quote.
Number of Employees
Contribution Budget
Participation Requirements
Employee Locations
Current Benefits
Renewal Timing
Group vs. Individual Fit
Why Work With a Small Business Broker?
Independent Guidance
We're not tied to one carrier, so our recommendations are based on what fits your team and budget.
No Cost to You
Our services are available at no additional cost. If you enroll through us, the carrier compensates us directly.
Ongoing Support
We don't disappear after enrollment. We're here when your team has questions, needs to add coverage, or when renewal comes.
Small Business Insurance FAQs
How many employees do I need to offer group coverage?
In most cases, you need at least one W-2 employee other than the owner. Requirements vary by carrier and state. We can help you determine what options may be available for your situation.
Can I offer coverage as a self-employed business owner?
Yes. Solo business owners may have access to individual health plans, association plans, or other options depending on your business structure and state.
How much does group health insurance cost a small business?
Costs vary by plan, team size, and how much of the premium the employer contributes. We can help you compare available options and estimate costs for your situation at no charge.
Do I have to offer coverage to all employees?
Participation and eligibility rules vary by carrier and plan. We'll walk you through what may apply to your business.
How long does the application process take?
It depends on your group size and the carrier, but three weeks before your target start date is a good rule of thumb. We'll help you stay on track and make sure nothing gets missed.
What is your fee for helping us?
There is no fee for our services. If you enroll through CYA Insurance Agency, we may be compensated by the insurance carrier. Your premium is the same either way.