Affordable, practical coverage built for small trade businesses
Keep your techs covered, your families protected, and your business running strong. We help HVAC companies compare smarter health plans that fit your team size, cash flow, and real-world needs.
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Why HVAC repair companies struggle with health insurance
- “Corporate” plans don’t work for 3–20 person shops.
- Premiums rise every year, while coverage shrinks.
- Seasonal swings make budgeting unpredictable.
- Owners spend too much time sorting through confusing options.
The result? Many small HVAC shops either overpay or skip offering benefits—making it harder to keep good techs.
How we make it simple (and affordable)
- 10–15 minute discovery call — tell us your crew size, budget, and priorities.
- Clear, side-by-side options — we cut through the jargon and show what fits.
- Easy setup — we handle enrollment and ongoing support so you can stay on jobs.
Why HVAC companies choose us
- Attract and keep top techs with benefits that matter.
- Predictable costs you can build into seasonal budgets.
- Coverage that scales for small teams of 2–20 employees.
- Real support when you or your team need answers.
Plan types we’ll walk you through
- Traditional group coverage (built for small teams)
- Level-funded or partially self-funded (lower costs, more control)
- Reference-based plans (maximize savings where it matters)
- Add-ons: dental, vision, telemedicine, prescription savings, HSA/HRA
We’ll break down the pros and cons in plain English—so you can decide confidently.
What other trade business owners say
“We finally found affordable coverage that keeps our crew happy.”
— HVAC Owner, 8-person team
“It was simple, fast, and made sense for our budget.”
— Contractor, 12 employees
FAQs for HVAC repair companies
Will this work for just 3–5 employees?
Yes. We specialize in small trade businesses and can scale solutions.
Can coverage include families?
Absolutely. Plans can extend to spouses and children.
Do I have to manage employee questions?
No. We handle enrollment and ongoing support for your team.
Is this a sales pitch?
No. You’ll get clear comparisons, straight answers, and time to decide.
Ready to keep your team covered?
Two easy ways to start:
Schedule a Consultation
Get a Health Coverage Quote
Talk with Matthew
Matt Chapman — President & CEO, Chapman Health Advisors