Group health insurance that costs your business less and covers your team better.

Rabco is an independent agency that specializes in small group health plans for businesses with 5 to 100 employees across Missouri, Illinois, Kansas and South Carolina. We shop more than 25 group carriers, bring you pricing usually reserved for large employers, and stay your agent at every renewal.

$2,000 to $4,000 saved per employee That's what our small group clients save on average, while improving their benefits.

(636) 536-0386 Talk to Tab Cohen directly, or get a group health quote online.

What do you need covered?

Group health insurance for my businessPlans for 5 to 100 employees, avg. $2,000 to $4,000 saved per employee Benefits my employees will valueDental, vision, group life and supplemental A health plan for me or my familyACA marketplace and private plans Life insuranceTerm and permanent coverage, including hard-to-place cases

$2,000 to $4,000 average savings per employee
More than 25 group carriers shopped for every business
5 to 100 employees small group specialists in MO, IL, KS and SC
One agent for enrollment, renewals and claims help

Our specialty

Small group health insurance

For employers with 5 to 100 employees. Health insurance is usually the biggest benefit you offer and one of your biggest expenses. We make it cost less and work better.

Why businesses switch to Rabco

$2,000 to $4,000 average savings per employee for our small group clients

We shop more than 25 group carriers to find plans that give your team better coverage at a lower cost. In many cases we can bring you health and pharmacy networks at cost, an arrangement usually reserved for employers with 1,000 or more people.

Large-employer network and pharmacy pricing for small businesses
We shop more than 25 group carriers and compare plans side by side
Better benefits for your team, not just a lower premium
Renewal reviews every year so increases don't go unchallenged
Enrollment handled for you and your employees

On average, our small group clients save $2,000 to $4,000 per employee while improving their benefits. Send us your census and renewal, and we'll show you what you could save.

Get a group health quote Call (636) 536-0386

Round out your benefits and more

Beyond group health, we place the benefits that complete your package, plus individual and life coverage. Every quote starts with what you need and what you can spend, explained in plain language.

Employee benefit programs

Add-ons that help you hire and keep good people

Dental: preventive care covered at 100% with no out-of-pocket cost, and freedom to see the dentist of your choice.
Vision: eye exams, glasses and contacts, with no-waiting-period options and out-of-network benefits.
Group life: low-cost term coverage from $10,000 up to $1,500,000, often convertible to a permanent policy.
Supplemental health: affordable coverage that fills the gaps in a major medical plan.

Build a benefits package

Individual and family health

For the self-employed, early retirees and anyone without employer coverage

Bronze and Silver plans keep monthly premiums low; Gold and Platinum plans lower what you pay when you need care. We help you weigh premiums, deductibles and copays against how you actually use healthcare.

Marketplace plans, including help checking whether you qualify for premium tax credits
Coverage regardless of pre-existing conditions on ACA plans
Traditional and short-term options compared side by side

Compare marketplace plans Have us shop for you

Life insurance

Protection for the people who depend on you

You insure your home, your car and your business. Life insurance protects the thing they all depend on. We work with A-rated carriers, including the country's leading independent term insurers, to find affordable coverage.

Term and permanent life, quoted across many carriers at once
Experience placing coverage for people with health conditions other agents turn away
Annuities and guaranteed-income options for retirement planning

Get a life quote

How working with us goes

Comparing insurance on your own is slow and confusing. Here's what we take off your plate.

Tell us what you need

A 15-minute call, or send your employee census and renewal. Tell us your budget and any doctors or prescriptions that matter.
We shop the market

We shop more than 25 group carriers and narrow the plans to the few worth your time, with costs and trade-offs spelled out.
You choose, we stay on

We handle enrollment for you and your team, then remain your agent for renewals, new hires and questions about claims.

Carriers we work with

Because we're independent, we don't push one company's products. These are some of the carriers we place coverage with.

Health

Ambetter, Anthem, Cigna, Kaiser Permanente, UnitedHealthcare, WellFirst Health, TrustMark, Nationwide and Many More!

Dental and vision

DentaQuest, Dentatrust, Independence Dental, National General, Renaissance, VSP

Life and annuities

American General, American National, Assurity, Banner Life, Columbus Life, Genworth, John Hancock, Lincoln Financial, North American, Principal, Protective, Prudential, SBLI, Transamerica, United Home Life, United of Omaha

Carrier availability varies by state and plan type.

A group health specialist who stays your agent

Rabco Agency is run by Tab Cohen from Chesterfield, Missouri. Our focus is helping small businesses offer health coverage their employees value at a cost the business can sustain, with the same person answering your call this year and every year after.

We work for you, not for an insurance company. That means we can recommend whichever carrier is the best fit, tell you when a cheaper plan has a catch, and come back to the market when your renewal goes up.

Whether you're setting up your first group plan or your renewal just came in too high, we'd like to help. We also work with families comparing marketplace options and anyone who's been told life insurance is out of reach.

From the blog

January 23, 2025

See what your business could save

Tell us about your business and Tab will follow up with a group health comparison, usually within one business day. To speed things up, email your census and renewal to [email protected]. Prefer to talk? Call (636) 536-0386.