Novato, CA
Flexible Health Benefits for Novato Small Businesses
Novato’s business community is a mix of life-science startups, contractors, retailers along Grant Avenue and professional offices around Hamilton. Many of these employers want to offer health benefits but worry about committing to a traditional group plan with rising renewals and one-size-fits-all coverage.
There’s another option many owners haven’t heard of: an Individual Coverage Health Reimbursement Arrangement, or ICHRA. The business sets a monthly allowance, employees choose their own individual plans, and the company reimburses premiums tax-free up to that amount. Our ICHRA and employee benefits services in Novato, CA help owners decide whether this model or a traditional group plan fits better.
How we help Novato employers compare options:
- ICHRA vs. group plan: cost, flexibility and employee experience compared side by side.
- Budget control: setting a fixed monthly allowance per employee class so costs don't surprise you at renewal.
- Employee choice: helping each employee pick an individual plan that includes their own doctors.
- Mixed workforces: structuring different allowances for full-time, part-time or remote staff where the rules allow.
- Ongoing support: answering employee questions so owners aren't stuck playing benefits counselor.
Novato is about 15 minutes up 101 from our Corte Madera office, so in-person planning meetings are easy. Partnering with Boro Insurance Agency gives your business a benefits advisor who knows the newer options. Owners searching for small business health benefits in Novato often find ICHRA solves problems a group plan couldn’t.
Medicare Drug Plan Reviews for High Prescription Costs
For many Novato retirees, prescriptions are the most unpredictable part of their Medicare costs. Drug plans change their lists, pricing tiers and preferred pharmacies every year, and a plan that was affordable last year can cost far more this year with no change in your medications.
We price your exact prescriptions across every available Part D and Medicare Advantage drug plan before each enrollment season, so you can see the full-year cost in advance.
What a drug plan review includes:
- Full-year cost for your current medications across all available plans
- Preferred pharmacy and mail-order savings, including pharmacies near Novato Community Hospital
- How the Medicare Part D yearly out-of-pocket cap applies to your medications
- Checking eligibility for Extra Help, which lowers drug costs for people with limited income
If you take brand-name or specialty medications, a Medicare Part D review in Novato, CA can save significant money every year.
Why Choose Us
Newer Benefit Models
We help small businesses look beyond traditional group plans, including ICHRA, so you can offer real benefits on a predictable budget.
Prescription-First Medicare Reviews
We start with your medication list and price every option for the full year, not just the monthly premium.
North Marin Neighbors
We're a short drive down 101, available in person, by phone or by video whenever questions come up.
Our Testimonials
FAQS
What is an ICHRA, in plain terms?
It's a way for an employer to give employees a tax-free monthly allowance toward individual health insurance they choose themselves, instead of buying one group plan for everyone.
Is ICHRA better than a group plan?
It depends on your budget, workforce and how much choice employees want. ICHRA offers predictable costs and flexibility; a group plan can be simpler for some teams. We compare both for your business.
Why did my drug costs go up if my prescriptions didn't change?
Plans update their drug lists, tiers and pharmacy networks each year. That's why we recommend reviewing your Part D or Advantage plan every fall during Annual Enrollment.