Maryland employee benefits and group health insurance

Start with the small and growing employer path. SSGI helps growing Maryland employers offer competitive benefits without building a large internal HR team — group health, supporting benefits, administration, ICHRA evaluation, and Maryland FAMLI coordination, with a named team accountable year-round.

Start with the mid-market path. SSGI pairs independent brokerage with tailored strategies for 100+ employee groups — cost and coverage control, renewal strategy, administration, ICHRA evaluation, and Maryland FAMLI coordination across multi-county or multi-state workforces.

Start with SSGI's Maryland FAMLI center. It carries the official FAMLI timeline (September 2026 DOI window through January 2028 benefits), the 2027 contribution snapshot, and a side-by-side comparison of the State Plan, commercial private plan, and eligible self-insured paths. For a step-by-step employer walkthrough of the Declaration of Intent window, read the FAMLI DOI checklist on Insights. FAMLI Declaration of Intent employer checklist.

Start with the ICHRA evaluation. An Individual Coverage Health Reimbursement Arrangement is not automatic — individual-market availability, affordability, employee classes, reimbursement administration, employee communication, and transition risk all matter. SSGI compares an ICHRA against practical group options for the specific employer rather than recommending it by default.

Choose the area where your employees work and live. Local guides help you consider provider access, workforce locations, benefits administration, and coverage questions across Maryland, with additional insurance and business resources for Harford County.

Start with the consumer coverage paths. SSGI helps Maryland individuals and families compare Medicare Advantage, Part D, and Supplement options, and term and permanent life insurance structures. Medicare.gov and 1-800-MEDICARE remain the official federal sources for Medicare.