Employee Benefits & Group Health Insurance  ·  MO  ·  IA  ·  KS  ·  IL

Build a Benefits Package Your Team Will Love.

Employee Benefits and Group Health Insurance from Brawner Insurance helps employers attract and retain top talent with comprehensive health, dental, vision, life, disability, and retirement plans. We work with businesses of every size across Missouri, Iowa, Kansas, and Illinois.

★★★★★5.0 Rating
|
50+ Carriers
|
MO, KS, IA, IL
|
80+ Reviews
Complete Benefits PackageHealth, dental, life, retirement & more
Independent AgencyWe shop 50+ carriers
4 States CoveredMO, KS, IA, IL
Local SupportTwo Missouri offices
Why It Matters

Why Employers Choose Brawner Insurance

Quality benefits are the #1 factor employees consider when choosing where to work. A strong benefits package attracts top talent, reduces turnover, and keeps your team healthy and productive. But navigating group health insurance, ACA compliance, and benefits administration can be overwhelming for any employer.

As an independent insurance agency since 1992, Brawner Insurance simplifies group benefits for businesses of every size. We work with over 50 top carriers to design custom benefits packages, handle enrollment, support employees with claims, and manage annual renewals — so you can focus on running your business.

MPCI crop coverage
All-in-Onehealth, dental, vision, life, disability & retirement
50+group benefits carriers in our network
Since 1992serving Midwest employers and their teams

From small businesses with a handful of employees to large employers with hundreds, Brawner Insurance builds custom benefits packages that fit your budget, attract top talent, and keep your team healthy. Independent agency advantage means we shop multiple carriers for the best rates.

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Build a benefits package that works.

We will assess your workforce, design a custom benefits package, and shop multiple carriers to find you the best rates — at no cost to you.

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660-665-1687  ·  660-754-1000

Coverage Options

Employee Benefits Through Brawner

Group benefits packages can include many different types of coverage. Here is what we help employers put in place.

Yield Protection

Group Health Insurance

Comprehensive medical coverage for your employees and their families — including major medical, preventive care, prescription drugs, and access to large provider networks across the Midwest.

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Revenue Protection

Dental & Vision

Add dental and vision benefits to your group package — covering routine cleanings, exams, glasses, contacts, and major dental work to keep employees healthy and productive.

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RP-HPE coverage

Life & Disability

Group life insurance and short-term/long-term disability coverage — providing financial security for employees and their families when life takes unexpected turns.

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Area Risk Protection

Retirement & 401(k)

Help employees save for retirement with group 401(k), SIMPLE IRA, and other retirement benefit plans — a key recruiting and retention tool for modern employers.

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Supplemental Coverage Option

HSA, FSA & Wellness

Health Savings Accounts (HSA), Flexible Spending Accounts (FSA), and workplace wellness programs — giving employees more control over healthcare spending while reducing employer costs.

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Every Operation Is Different

Build your policy.

We tailor MPCI coverage to your crops, location, and risk tolerance — every farm is unique.

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Your Options

Fully-Insured vs. Level-Funded — Which Fits Your Business?

Group health plans come in different funding structures. Here is how the two most common options compare for small and mid-sized employers.

Option 1

Fully-Insured Group Health

  • Predictable monthly premiums set by the carrier
  • Carrier assumes all claims risk
  • Simpler administration and compliance
  • Wide network access and standard plan designs
  • Best for employers wanting cost certainty
  • Less flexibility in plan customization

Best for: small businesses that want predictable budgeting and minimal admin work.

Option 2

Level-Funded Group Health

  • Fixed monthly payment with potential year-end refund
  • Employer benefits if claims come in under expected
  • More plan design flexibility
  • Detailed claims data for cost management
  • Stop-loss protection caps employer risk
  • Best fit for healthier employee groups

Best for: small to mid-sized employers with healthy workforces seeking potential savings.

Not sure which funding model fits your business? We will review your group size, budget, and goals to recommend the right approach.

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Not sure which path is right for your team?

We will review your business size, employee needs, and budget to recommend the right group health and benefits package.

Get a Free Benefits Review →

660-665-1687  ·  660-754-1000

Key Moments

When to Review Your Employee Benefits

Group health and employee benefits should keep pace with your business and your team. Here are the key moments to review your plan.

Annual Renewal

Each year before renewal is the ideal time to review plan performance, premium changes, and shop alternative carriers if needed.

Hiring & Workforce Growth

Adding employees can change your group rating, eligibility, and plan options. Review benefits as your team scales.

Employee Feedback

If employees are asking for better coverage, lower out-of-pocket costs, or new benefits like dental and vision, it is time to evaluate options.

Major Business Changes

Mergers, acquisitions, or location changes can impact your benefits structure. Review compliance and plan design when your business changes.

Planning Tip: Start your benefits review at least 90 days before your renewal date — it gives time to compare carriers and avoid rushed decisions.

Our Process

How We Help You Build the Right Benefits Package

1

Review Your Situation

We learn about your team, budget, and goals so we can recommend the right group health and benefits structure.

2

Compare Carriers

We shop your group health and ancillary benefits across top carriers to find competitive pricing and the right fit.

3

Explain Your Options

We walk through plan designs, networks, and contributions in plain language — no jargon.

4

Set Up and Support

We handle enrollment, employee education, and stay available year-round for claims and questions.

Featured Insights

Insurance Insights & Education

Practical guidance to help you make confident insurance decisions.

Video

Why Shopping Insurance Every Year Can Hurt Your Fire or EMS District

Learn why constantly switching providers can create risks and what to consider instead.

Watch on YouTube →
Video

Introducing the ResponderShield Desk Series — Real Insurance Conversations

Real conversations about coverage, risks, and solutions for clients across the Midwest.

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Looking for guidance specific to your needs?

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Getting Started

How Employee Benefits Work

1

Free Consultation

We start by understanding your business, employees, and budget so we can recommend the right benefits package for your team.

2

Plan Comparison

We compare group health and ancillary benefits from multiple top carriers, explaining coverages and costs in plain English.

3

Easy Enrollment

Once you choose a plan, we handle the paperwork and employee onboarding so everything goes smoothly.

4

Year-Round Support

Brawner Insurance is here all year for claims, billing questions, and renewals — you have a real advocate.

Client Reviews

Trusted by Businesses Across Missouri, Iowa, Kansas & Illinois

See why employers across the Midwest trust Brawner Insurance for group health and employee benefits.

★★★★★
5.0
Based on 80+ Google Reviews
Daniel Goodman
★★★★★

"If you are shopping for peace of mind with insurance contact Caitlin Howe at Brawner. Not to mention correctly written policies, surprisingly good rates and excellent customer service."

Alyssa Baker
★★★★★

"Caitlin Howe at Brawner Insurance was very helpful, and made sure everything was done perfectly. She made the process stress and worry free. Best insurance agent hands down I have worked with."

Corey S
★★★★★

"Brawner recently quoted our district insurance. Jacob was professional and easy to work with. The Board of Directors chose VFIS through Brawner for the best and cost efficient coverage."

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Common Questions

Employee Benefits FAQ

What are employee benefits and group health insurance?

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Employee benefits are non-wage compensation provided to employees, including group health insurance, dental, vision, life, disability, and retirement plans. Group health insurance offers medical coverage to employees through their employer at lower group rates than individual policies.

Is my business required to offer health insurance?

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Employers with 50 or more full-time equivalent employees are generally required by the Affordable Care Act to offer health coverage. Smaller businesses are not required to offer it but often do to attract and retain talent. Brawner Insurance helps you understand your obligations.

How much does group health insurance cost?

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Group health premiums depend on group size, employee demographics, plan design, and location. Most employers split the cost with employees. Brawner Insurance shops multiple carriers to find competitive rates for your specific group.

What ancillary benefits should I offer alongside health insurance?

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Common ancillary benefits include dental, vision, life insurance, short-term and long-term disability, and accident or critical illness coverage. These benefits round out a competitive package and often cost less when bundled with group health.

Can I customize benefits for different employee groups?

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Yes — many group plans allow class-based benefit designs, where different employee classes (full-time, part-time, executives) receive different coverage levels. Brawner Insurance helps structure compliant benefit classes for your business.

Can Brawner Insurance help me find the right group benefits package?

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Yes — as an independent insurance agency, Brawner Insurance shops your group health and employee benefits across multiple top carriers to find the right protection at a competitive rate. We work with employers across Missouri, Iowa, Kansas, and Illinois.

Build the right benefits package for your team.

Brawner Insurance helps employers across the Midwest design competitive group health and employee benefits packages — with unbiased advice from independent agents.

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660-665-1687  ·  660-754-1000

Visit Us

Our Office Locations

Kirksville, MO

2605 N. Baltimore St., Kirksville, MO 63501

660-665-1687

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Kahoka, MO

465 S. Johnson St., Kahoka, MO 63445

660-754-1000

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