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.
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.

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.
Get a Free Quote →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.
Get a Free Quote →660-665-1687 · 660-754-1000
Group benefits packages can include many different types of coverage. Here is what we help employers put in place.

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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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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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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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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Health Savings Accounts (HSA), Flexible Spending Accounts (FSA), and workplace wellness programs — giving employees more control over healthcare spending while reducing employer costs.
Learn More →We tailor MPCI coverage to your crops, location, and risk tolerance — every farm is unique.
Talk to an Agent →Group health plans come in different funding structures. Here is how the two most common options compare for small and mid-sized employers.
Best for: small businesses that want predictable budgeting and minimal admin work.
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.
Compare My Group Health Options →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
Group health and employee benefits should keep pace with your business and your team. Here are the key moments to review your plan.
Each year before renewal is the ideal time to review plan performance, premium changes, and shop alternative carriers if needed.
Adding employees can change your group rating, eligibility, and plan options. Review benefits as your team scales.
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.
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.
We learn about your team, budget, and goals so we can recommend the right group health and benefits structure.
We shop your group health and ancillary benefits across top carriers to find competitive pricing and the right fit.
We walk through plan designs, networks, and contributions in plain language — no jargon.
We handle enrollment, employee education, and stay available year-round for claims and questions.
Practical guidance to help you make confident insurance decisions.
Learn why constantly switching providers can create risks and what to consider instead.
Watch on YouTube →Real conversations about coverage, risks, and solutions for clients across the Midwest.
Watch on YouTube →Looking for guidance specific to your needs?
Schedule a Consultation →We start by understanding your business, employees, and budget so we can recommend the right benefits package for your team.
We compare group health and ancillary benefits from multiple top carriers, explaining coverages and costs in plain English.
Once you choose a plan, we handle the paperwork and employee onboarding so everything goes smoothly.
Brawner Insurance is here all year for claims, billing questions, and renewals — you have a real advocate.
See why employers across the Midwest trust Brawner Insurance for group health and employee benefits.
"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."
"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."
"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."
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.
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.
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.
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.
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.
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.
Brawner Insurance helps employers across the Midwest design competitive group health and employee benefits packages — with unbiased advice from independent agents.
Get a Free Quote →660-665-1687 · 660-754-1000
As an independent agency, we offer the full range of insurance solutions for families, farms, and businesses — all under one roof.
Medicare Advantage, Supplement, and Part D plans for those 65+.
Learn MoreRoutine cleanings, exams, and major dental work coverage.
Learn MoreEye exams, glasses, and contacts coverage for individuals and groups.
Learn MoreTerm and whole life policies to protect your family financial future.
Learn MoreIncome protection if illness or injury keeps you from working.
Learn MoreProtect your business if a critical employee becomes unable to work.
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