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HKG Insurance Solutions

Affordable Health Benefits for Small Businesses

Meaningful health benefits without the complexity or cost of traditional large-group plans. Designed for companies with small HR teams.

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HKG Insurance Solutions is an independent, woman-owned brokerage in Omaha, NE that helps small businesses set up employee benefits. For Omaha-area companies — from 2 employees to 50 — HKG designs small business employee benefits packages including small group health insurance, ICHRA, dental, vision, life, and benefits enrollment technology, while representing most major Nebraska carriers. Consultations are free. Call (402) 502-5286.

30-second estimate

See your estimated savings in 30 seconds.

Our ICHRA calculator shows you how much your business could save vs. a traditional group plan — tailored to your workforce.

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Why HKG

One Team. Three Solutions.

HKG Insurance Solutions helps small businesses offer meaningful health benefits without the complexity or cost of traditional large-group plans. We specialize in benefit and enrollment strategies designed specifically for companies with small Human Resources teams.

From finding the right coverage options to setting up electronic enrollment and educating your employees, we handle everything so you can focus on running your business.

What We Offer

Small Group Benefits, Simplified

Everything a small business needs to offer competitive health benefits — without a dedicated HR department.

Strategies for Under 20 Employees

Benefit strategies built specifically for small teams. We find coverage options that fit your budget and give your employees meaningful choices — without the overhead of a large-group plan.

ICHRA-Style Benefit Options

Individual Coverage Health Reimbursement Arrangements let you set a fixed budget while employees choose the plans that work best for their families. We help you design and administer ICHRA strategies that attract and retain talent.

Electronic Onboarding & Enrollment

No more paper forms or spreadsheets. We set up and manage electronic employee onboarding and enrollment, with ongoing administration support for both your employees and HR team.

Renewal Reviews + Medicare Education

Annual renewal reviews to keep your plans competitive, plus free Medicare education for your working senior population approaching 65. We make sure no one falls through the cracks.

The HKG Difference

Why Small Businesses Choose HKG

We Answer Our Phones

Local service and support when you need it. No call centers, no hold music.

Independent & Unbiased

We represent most major carriers — recommendations are based on your needs.

Bilingual Support

Enrollment materials and education in English and Spanish.

Omaha-Based

Local team serving Nebraska since 2015. We know the market.

Modern Approach

What is ICHRA?

An Individual Coverage Health Reimbursement Arrangement (ICHRA) allows employers to reimburse employees tax-free for individual health insurance premiums and medical expenses. It gives employers budget control while giving employees the freedom to choose plans that fit their needs.

1

Set Your Budget

Define a fixed monthly allowance per employee class

2

Employees Choose

Workers pick individual plans that fit their families

3

Tax Advantages

Reimbursements are tax-free for both employer and employee

Representing Most Major Carriers

UnitedHealthcareHumanaAetnaBlue Cross Blue ShieldCignaMutual of Omaha

Common Questions

Small Group & ICHRA FAQs

Answers to questions we hear most often from Nebraska small businesses evaluating group health plans and ICHRA.

HKG Insurance Solutions is an independent, woman-owned brokerage in Omaha, NE that designs and administers small business employee benefits. Serving the greater Omaha metro — including Papillion, Bellevue, La Vista, Elkhorn, Gretna, and Council Bluffs — HKG handles small group health insurance, ICHRA, dental, vision, life, and enrollment technology. Consultations are free: call (402) 502-5286.
Small businesses in Nebraska can offer small group health insurance, an ICHRA (a tax-advantaged monthly allowance employees use to buy their own plan), dental, vision, life, disability, and supplemental coverage. There is no minimum company size. HKG Insurance Solutions in Omaha builds the right mix for teams from 2 to 50 employees and sets up electronic enrollment.
Yes. Individual Coverage Health Reimbursement Arrangements (ICHRA) became available to all employers nationwide in January 2020 under federal IRS, DOL, and HHS rules. They are fully legal in Nebraska and increasingly popular for small businesses that want predictable benefit costs.
There is no minimum. Whether you have 2 employees or 50, we can design a benefit strategy that fits. For very small teams, ICHRA often makes more sense than a traditional group plan because there is no minimum participation requirement.
A traditional small group plan is one health plan you offer to all eligible employees, with the employer typically paying 50 to 75 percent of the premium. ICHRA reverses the model: you set a fixed monthly allowance per employee, and they choose their own individual marketplace plan. Employer cost is predictable, employee choice is wider.
Yes — within IRS-defined employee classes. You can vary allowances by full-time vs. part-time, salaried vs. hourly, geographic location, age, and family size. We help you design class structures that fit your workforce while staying compliant.
ICHRA reimbursements only apply when an employee has qualifying individual health insurance. If they do not enroll, no money is paid out — your costs adjust automatically. We help employees navigate the marketplace so this rarely happens.
Yes. As employees approach 65, we provide free Medicare education to help them decide whether to stay on their employer plan, transition to Medicare, or use a combination. This is included with our small group services at no additional cost.

Ready to Offer Health Benefits?

Let's find the right coverage strategy for your small business. Free consultation, no obligation.

(402) 502-5286

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