Employee Benefits Built for Iowa Employers.

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.

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

Group health premiums in Iowa depend on group size, employee demographics, plan design, and location. Most Iowa employers split the cost with employees. Brawner Insurance shops multiple carriers to find competitive rates for your specific Iowa 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 Iowa, including Davenport, Cedar Rapids, Des Moines, Iowa City, and throughout the state.