Group health plans
Build a health plan around your team, your priorities and your budget—with independent guidance through every renewal.
Explore group health insuranceINDEPENDENT INSURANCE · COLUMBUS, OHIO
Good benefits.
Better guidance.
People first.
Independent insurance guidance in Columbus, Ohio. Explore small business group health, ICHRA / CHOICE ARRANGEMENT, ACA health insurance, and dental and vision coverage for you and your family.
One point of contact. Year-round support.
YOUR BENEFITS, YOUR WAY
Small business.
Big possibilities.
Rooted in Columbus.Working for you.
Independent by designLocal & responsiveCoverage subject to state availabilitySupport beyond enrollment
FOR EMPLOYERS
Take care of your people.
We’ll take care of the benefits.
We shop major carriers to fit your budget and your team, then handle enrollment, compliance support and renewals.
ICHRA / CHOICE ARRANGEMENT
Set a predictable monthly allowance. Give employees the flexibility to choose their own individual health coverage.
Explore ICHRA / CHOICE ARRANGEMENTA complete benefits package
Dental, vision, life, disability, hospital indemnity and supplemental coverage that rounds out your team’s protection.
A DIFFERENT WAY TO DO HEALTH BENEFITS
A budget you control.
A choice they own.
An Individual Coverage Health Reimbursement Arrangement (ICHRA) lets eligible employers reimburse employees for individual health coverage with tax-advantaged dollars, subject to plan rules.
It can be a smarter fit for some teams. We’ll compare it with a traditional group plan and walk you through affordability, employee needs and the math.
Discuss ICHRA with Benefits DirectICHRA BUDGET CALCULATOR
What could your allowance look like?
Monthly maximum$4,800
Annual maximum$57,600
Illustrative allowance budget, not an insurance quote. Assumes every employee uses the full allowance for 12 months. Administration fees, eligibility and plan design are not included.
FOR YOU & YOUR FAMILY
Life changes.
Your guidance shouldn’t.
Clear answers and no-pressure advice for the coverage decisions that matter.
Dental & vision
Explore individual dental and vision coverage, then compare available options for your ZIP code.
Get dental & vision quotesLearn about dental & vision coverageACA Marketplace
Find individual or family health coverage and understand your options for financial help.
Explore ACA health insuranceMedicare
Get help comparing health and prescription drug options as your needs change.
Compare Medicare plansPlan for what’s next
Explore final expense and long-term care coverage with straightforward, personal guidance.
Talk through your optionsA HELPFUL HEAD START
Coverage tools, without the guesswork.
DENTAL & VISION QUOTES
A healthier smile. A clearer view.
Shop individual dental, vision or both through Obamacare Dental Insurance.
- Select the coverage you need.
- Enter your ZIP code.
- Continue to available carrier quotes and enrollment.
Opens Obamacare Dental Insurance. Standalone dental and vision plans are separate from comprehensive medical insurance. Availability, benefits and prices vary; review carrier policy terms before enrolling.
ACA QUOTE TOOL
Medicare plan comparisonMedicare.gov · health & drug coverageOpenICHRA budget calculatorEstimate your employer allowance budget+Call for a business benefits quoteFind your Marketplace plan.
Compare live ACA Marketplace plans, check estimated savings and choose coverage for you or your family.
- Enter your ZIP code and household details on HealthSherpa.
- Compare available plans, premiums and estimated financial help.
- When you’re ready, continue to enrollment with Benefits Direct.
Opens our Benefits Direct–branded HealthSherpa shopping and enrollment page. Available plans and prices depend on your location and household. Enrollment requires an eligible enrollment period; final savings depend on Marketplace eligibility.
Need help? Call (614) 420-2418RX LOOKUPKnow your prescription.
Know your prescription.
Then check your coverage.
Find medication names, strengths and forms using the National Library of Medicine’s RxNorm directory.
Search by brand or generic name.
This lookup identifies medications; it does not confirm plan coverage, pricing or medical advice. Check the exact drug, strength, pharmacy and plan formulary before enrolling. Searches are sent to NLM. Do not enter personal identifying information. Privacy details.
Check drugs in Medicare’s plan finderDrug information source: NLM RxNav2,500+ lives helped with coverage.
Independent guidance for individuals, families and employers.
The independent advantage
Benefits Direct is an independent insurance agency, not a single-carrier sales office. We compare available options across the carriers and coverage types we are authorized to offer, explain tradeoffs, and help you choose around your needs and budget. We may not represent every insurer or plan in your area.
A comparison built around you
For medical coverage, we review providers, prescriptions, premiums and potential out-of-pocket spending. For dental, vision, life, disability and supplemental benefits, we review the relevant networks, benefit limits, exclusions, waiting periods and policy terms. For employers, we also compare contribution goals and employee needs.
Transparent, aligned compensation
Benefits Direct may receive commissions or other compensation from insurers, enrollment platforms or authorized partners. How compensation is calculated varies by carrier and coverage type; it may be a monthly amount, a percentage of premium, a renewal payment or another arrangement. Compensation can differ between options. Ask us how we are paid for a recommendation and whether any separate fee applies before proceeding. Our goal is to explain the options and tradeoffs clearly; compensation does not guarantee that every available plan is represented.
1. Tell us what matters
Discuss who needs coverage, your location, budget, existing benefits and priorities. Medical reviews may include doctors, prescriptions, household income and enrollment eligibility; other coverage types require their own needs review. Use an approved secure channel for sensitive documents.
2. Compare and understand
Review available options, costs, networks, benefit limits, exclusions and timing. For employer benefits, compare plan design and contribution strategy. For ACA coverage, review estimated financial help and eligibility. Estimates are not binding quotes or eligibility decisions.
3. Authorize the next step
Choose whether to apply. We explain required authorizations, documents, payment instructions and the carrier or Marketplace process. Your consent to a conversation is separate from application assistance, enrollment and marketing messages.
4. Confirm and stay supported
Confirm insurer acceptance, any required first payment and your effective date. Keep policy documents and respond to notices. Contact Benefits Direct with questions, changes or renewal needs; a submitted quote request alone does not activate coverage.
Explore the 2027 ACA subsidy and affordability reference · Understand insurance terms
THE BENEFITS DIRECT DIFFERENCE
Independent.
And in your corner.
Your interests come first.
We work across carriers, helping you compare coverage that fits your people and priorities.
Local people. Real answers.
Based in Columbus, Ohio. Responsive service from someone who knows your situation.
A relationship, not a transaction.
One point of contact for questions, enrollment and renewals—with year-round support.
CLEAR ANSWERS
Insurance questions, answered.
What does Benefits Direct help with?
Benefits Direct is an independent insurance agency based in Columbus, Ohio, helping small businesses, individuals and families explore group health, ICHRA / CHOICE ARRANGEMENT, ACA coverage and supplemental benefits.
Where can I get dental and vision quotes?
Visit Obamacare Dental Insurance to choose dental, vision or both, enter your ZIP code and continue to available carrier quotes.
Can I compare employer benefits with an individual coverage allowance?
Yes. Group health plans and ICHRA / CHOICE ARRANGEMENT use different approaches. Benefits Direct can help compare your budget, employee needs and applicable plan rules.
Does using a tool enroll me in insurance?
No. Our calculator provides an illustration, and shopping links open separate services. A quote does not bind coverage or guarantee eligibility. Enrollment requires completion of the applicable insurer or Marketplace process.
LET’S TALK
The right coverage starts
with a conversation.
For your business. For your family. For whatever comes next.
Call (614) 420-2418Columbus, Ohio · Independent insurance agencyMap provided by Google. Google Privacy Policy