Solutions

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Solutions

Every viable product for every small business.

The right coverage depends on your business' unique needs. Here's how we find it.

We start with your business.

Most brokers lead with products they're familiar with or pay them the most. We start with your needs. How big is your team? Are they in one state or many? What’s your budget? What does your workforce look like? The answers to these questions determine which type of coverage will work best.

Here are the options we evaluate for every client:

Fully insured

ICHRA

Level-Funded Plans

PEOs

Ancillary Products

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Fully Insured

This is the traditional model: your business sponsors a health plan and employees enroll. It’s what most people think of when they think “employer-sponsored health insurance,” and for many businesses, it's a great option. The challenge is that the plan options, carrier availability, and pricing vary enormously by state and by group size.

Good fit if

You have a team in one state and want straightforward employer-sponsored coverage.

Corridor evaluates plans from every carrier in your state. Not just the big names. Not just the ones with the highest broker commissions. All of them.

ICHRA

Individual Coverage Health Reimbursement Arrangements are six years old. Yet, they are one of the most powerful – and underutilized – levers for small businesses.

Good fit if

You want cost control and flexibility, especially with a distributed or diverse team.

Corridor helps you design the allowance structure, ensures you’re fully compliant, and helps guide employees through selecting their plan.

Level-Funded Plans

Level-funded plans are a hybrid: you pay a fixed monthly amount (like a fully-insured plan), but if your team’s claims come in under budget, you may get money back. It’s the upside of self-funding with the predictability of traditional insurance, plus a stop-loss safety net.
It works best when your team is relatively healthy and your claims history is favorable.

Good fit if

You have a healthy team and want the potential for savings without taking on unlimited risk.

Corridor analyzes your specific risk profile to determine whether level-funding makes sense — and if it does, we find the best option.

PEOs

A Professional Employer Organization is a co-employment arrangement: you outsource HR, payroll, and benefits administration to a third party, and your employees get access to the PEO's pooled health plans. Because PEOs aggregate thousands of employees across hundreds of small businesses, they can often negotiate rates that a 10- or 20-person company could never get on its own. The tradeoff is control. You're on the PEO's plans, not your own. You have less flexibility in plan design, and leaving a PEO can be disruptive. It's a meaningful commitment.

Good fit if

You want competitive rates and want to offload HR administration, and you're comfortable giving up some control over plan selection.

Corridor evaluates all viable PEOs (there are over 550 PEOs in the U.S.!). We compare them across benefits, service, payroll, and more to make sure it's the right choice overall for your business.

Ancillary Products

Health insurance is the centerpiece, but it's rarely the whole picture. Dental, vision, mental health, primary care memberships like OneMedical, and other voluntary benefits are often what make a benefits package feel complete to employees. They're also where small businesses leave the most value on the table, skipping coverage they could afford or paying retail for products that are significantly cheaper when bundled through a group.

Good fit if

You want to round out your benefits package beyond medical, or you're already paying for some of these products individually and want to see what group pricing looks like.

Corridor bundles ancillary products alongside your medical plan to unlock group discounts your team can't get on their own. We treat these as part of the strategy, not an afterthought.

Not sure which of these is right for you?

That’s the whole reason we exist. Most business owners shouldn’t have to know the difference between an ICHRA and a Level-funded Plan. That’s our job. Tell us about your business and we’ll tell you what makes sense and why.

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