One Broker for Your Whole Workforce, Home and Abroad
If your organization has staff overseas and a home office here in the US, you shouldn't need two separate brokers, two separate service relationships, and two separate renewal cycles. ESI places domestic group health benefits for the same employer groups we serve internationally, so your US-based team gets the same attentive, principal-level service your overseas staff already receives.
Managing benefits across borders is complicated enough without adding a second advisor to the mix. When the same team handles both sides, your domestic and international plans are coordinated from the start, renewals are aligned, and you have one phone number to call when something needs attention.
Domestic Benefits That Cover Every Corner of Your US Team
ESI places the full range of domestic group benefits for US-based employees, the same core coverages your workforce expects, sourced through A-rated carriers and structured to fit your organization's size and budget.
- Group medical (fully insured and self-funded structures available)
- Group dental and vision
- Group life insurance
- Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA)
Whether your home office has ten employees or several hundred, we work with the same level of care and attention we bring to every client relationship.
Every benefit line we offer domestically is available as a standalone placement or as part of a coordinated package alongside your international group plan.
What We Place for US-Based Staff
Group Medical Insurance
We place fully insured domestic group medical plans through major carriers, and for organizations with the right profile, we can model self-funded or level-funded structures for the US side of your workforce as well. The same analytical rigor we apply to international self-funding applies here.
Group Dental and Vision
Dental and vision coverage for US employees is available as a standalone benefit or bundled with your group medical plan. We source these through the same carrier relationships that support your international benefits, keeping administration as consolidated as possible.
Group Life Insurance
Basic group life and supplemental life options are available for US-based staff. We help you structure employer-paid and voluntary options that fit your workforce demographics and your budget.
HSA and FSA Plans
Tax-advantaged accounts are one of the most underutilized tools in small and mid-sized employer benefit programs. A Health Savings Account (HSA) paired with a high-deductible health plan lets employees build tax-free reserves for medical expenses. A Flexible Spending Account (FSA) gives employees a straightforward way to set aside pre-tax dollars for out-of-pocket costs. We help you evaluate which structure makes sense for your team and configure it alongside your group medical plan.
The Same Team, Both Sides of the Border
Most organizations with overseas staff end up with a fragmented benefits picture: one broker for the international plan, another for domestic coverage, and no one who sees the full picture. ESI was built to close that gap. Bob, Brian, and Dale manage both sides of your benefits program under one roof, which means your plans are coordinated, your renewals are managed together, and you're never left explaining your international plan to a domestic broker who has never seen one.
When you call ESI, you reach us directly, not a service center. That's true for your international plan and your domestic plan alike.
Common Questions About Domestic Group Benefits
Can ESI handle both our international group plan and our US domestic benefits?
Yes. ESI places international group health coverage and domestic US group benefits for the same employer groups. Many of our clients came to us for their overseas plan and added domestic coverage once they saw how much simpler it is to work with one team for both.What size employer do you work with for domestic group health?
We work with small and mid-sized organizations across a range of industries. If you have at least two or three US-based employees and an existing or planned group structure, we can evaluate your options and help you find a plan that fits.Do you offer self-funded domestic plans, or only fully insured?
Both. For organizations with the right employee count and claims profile, a self-funded or level-funded domestic plan can significantly reduce costs over time. We apply the same risk analysis to domestic self-funding decisions that we use for our international groups.Can one broker handle domestic and international benefits for the same company?
Yes, and we'd argue it's the better approach. When one team manages both plans, your benefits are coordinated from the start, your renewal timelines can be aligned, and you have a single point of contact who understands your entire workforce, not just one segment of it.Do you offer HSA and FSA plans alongside group medical?
We do. We help employers evaluate whether an HSA-eligible high-deductible health plan or an FSA arrangement makes sense for their US staff, and we configure the account alongside the group medical plan so everything works together from day one.Which carriers do you work with for domestic group benefits?
We work with major A-rated carriers for domestic group medical, dental, vision, and life placements. The specific carrier options available to your organization will depend on your location, group size, and benefit structure. We'll walk you through the options that apply to your situation.