McCarthy Stevenot Agency, Inc., is an independent Ohio small business health insurance broker helping companies with 2–50 employees compare realistic health insurance options and pricing based on their actual group—not generic online estimates.
Compare Health Insurance Options for Your Business
Tell us a little about your business. We’ll help you compare realistic options and pricing based on your employees, location, and coverage needs.
Most employers start by looking for quotes—and they should. The challenge is that small business health insurance pricing depends heavily on your group, plan structure, and eligibility. We help you compare competitive options that fit your business, not just generic rates that may not apply once underwriting or participation requirements are reviewed.
Who We Help
We work with Ohio small businesses with 2–50 employees that are evaluating their health insurance options.
In many cases, employers come to us when they’re reviewing their current plan, exploring alternatives like MEWAs or level-funded options, or trying to understand why costs are changing at renewal.
As a family-owned small business ourselves, we understand the juggling act of running a business and taking care of your team’s well-being. Unlike big brokers who treat small groups as afterthoughts, we built our entire business around employers like you, providing hands-on guidance so you can focus on running your company. Learn more about our background and approach on our About page.
We also speak with business owners in edge cases—such as one-employee companies or husband-and-wife businesses—where traditional group coverage may not apply, but other options may still be available depending on how the business is structured.
What We Help You Compare
We help you compare the main ways to provide health insurance:
- ACA Small Group Plans: Traditional group coverage with community-rated pricing
- MEWA / Association Plans: Chamber-based options that may offer lower rates for eligible groups
- Level-Funded Plans: A hybrid approach with potential savings based on your group’s risk profile
- ICHRA Options: A reimbursement-based alternative to traditional group coverage
Each approach has trade-offs. We help you understand which options actually fit your business before you make a decision based on quotes alone.
Explore our health insurance services and plan options for Ohio employers to learn more.
How We Help
Working with us is simple:
- Initial conversation to understand your business and goals
- Prescreen when appropriate so carriers can evaluate realistic pricing and plan options
- Side-by-side comparisons with clear guidance on trade-offs
- Enrollment support to ensure a smooth rollout
- Ongoing service and annual renewal review
In many cases, a structured prescreen process helps employers evaluate underwriting opportunities, renewal competitiveness, and alternative plan structures more accurately than simplified online quotes alone.
Every business is different, but the goal is the same: help you understand your options and choose the right plan with confidence.
Why Businesses Work With Us
- Focused on small businesses (2–50 employees): This isn’t just one of many things we do—it’s our main focus.
- Deep knowledge of Ohio’s market: Including ACA plans, MEWAs, and level-funded options across the state.
- Independent, unbiased guidance: We’re not tied to any carrier, so our recommendations are based on what fits your business.
- Hands-on service before and after enrollment: From initial quotes through renewals, you have a direct point of contact.
- No additional broker fees: You pay the same premium whether you work with us or go direct.
If your current plan is already the best fit, we’ll tell you that too.
Small business health insurance decisions are more complex than they first appear.
We regularly see employers select plans that look fine on paper—but don’t hold up in practice, whether it’s coverage structure, cost assumptions, or how benefits actually work for employees.
Having a guide helps you avoid those mistakes and make decisions that actually fit your business.
Need Help Understanding Your Options?
Our Small Business Health Insurance in Ohio Guide walks through how coverage works, including ACA plans, MEWAs, level-funded options, and alternatives like ICHRAs, which we explain in more detail here.
Read the guide to understand your options before you compare quotes.
You can also review required compliance disclosures on our Employee Health Insurance Notices page.
How to Get Started
Getting started is simple.
Most businesses begin with a short conversation to review their situation and determine which options are worth exploring. When appropriate, we use a prescreen so carriers can provide accurate quotes based on your actual group.
From there, we present clear, side-by-side comparisons and walk you through your options so you can make an informed decision.
There’s no pressure—just straightforward guidance to help you find the right fit.
Ready to Compare Quotes?
Start with a quick conversation—we’ll help you understand your options and provide accurate quotes based on your business.
Use the form above or contact us directly to get started.