Group Benefits for HVAC Shops That Want to Keep Their Best Techs
If you own an HVAC contracting business and you're losing journeyman techs to the shop down the road that offers a group plan, this is the page for you. We compare ICHRA, level-funded, and traditional fully-insured group plans for shops with as few as two W-2 employees.
Group Coverage Options for HVAC Contractors
ICHRA (Individual Coverage HRA)
You reimburse each tech a fixed monthly amount and they pick their own ACA plan. Lowest administrative load — usually the right call for shops under 10 techs with mixed family situations.
Level-funded group health
Looks like fully-insured (fixed monthly premium) but you get a refund if your shop's claims come in low. A strong fit for shops with a young, healthy crew.
Traditional fully-insured group
Predictable monthly premium, no claims risk, full carrier admin. Best for shops with 10+ techs and at least one employee with chronic care needs.
Add-on dental, vision, and disability
Group dental runs $18–$35/tech/mo; vision $5–$12/tech/mo. Short-term disability is a $15–$25/tech/mo retention move that costs less than a single counter-offer to a poached journeyman.
What an HVAC Group Plan Actually Costs
Why Shops With 6–12 Techs Win Most Here
- You're large enough to get carrier attention and competitive rates.
- You're small enough to qualify for level-funded products and Section 125 simplification.
- Owner-funded ICHRA reimbursement is fully tax-deductible and avoids payroll tax on the employee side.
- Turnover costs in HVAC routinely hit $15k–$30k per replaced journeyman — a year of group coverage pays for itself if it prevents one departure.
Ready to see your options?
Answer a few quick questions and a licensed advisor will email your personalized plan options within one business hour. 100% free, no obligation.