Business Details
Trusted Health Insurance Solutions in Maryland
Keen Insurance is a locally owned, independent insurance agency serving clients across Maryland, Delaware, Virginia, and nationwide. With a 26-year partnership with Highmark Blue Cross Blue Shield, we specialize in navigating the complexities of the ever-changing insurance landscape to deliver innovative, cost-effective solutions. Our expertise spans individual and group health insurance, self-funded and partially self-funded plans, and Health Reimbursement Arrangements (HRAs) that comply with federal regulations. We prioritize superior customer service, offering personalized guidance to help employers and individuals select plans that balance affordability with comprehensive coverage.Our deep understanding of legislative developments enables us to provide tailored strategies that address rising healthcare costs while maintaining tax advantages for businesses. Through partnerships with major carriers like CareFirst, United Healthcare, and Aetna, we deliver seamless enrollment processes and ongoing support to ensure long-term satisfaction for our clients.
Services
Health Insurance
Group Plans
ICHRAs
Self-Funded Insurance
Medicare Solutions
Highlights and features
- We offer 26 years of expertise in health insurance and legislative compliance.
- Our partnerships with major carriers ensure competitive pricing and diverse options.
- We specialize in cost-saving strategies like ICHRAs and partially self-funded plans.
- Our personalized service includes seamless enrollment and ongoing client support.
- We provide tailored analysis to match coverage with employer and employee needs.
Services
Health Insurance
We provide comprehensive health insurance plans for individuals and employers, including ACA-compliant options and high-deductible health plans. Our solutions focus on balancing affordability with essential coverage, leveraging partnerships with carriers like CareFirst and Aetna. We assist clients in navigating subsidy eligibility and enrollment processes to ensure access to cost-effective care.
Group Plans
Our group health insurance solutions cater to businesses with 1-50 employees and larger organizations, offering fully insured and partially self-funded options. We analyze claims data to recommend plans that reduce premiums while maintaining coverage for unexpected large claims. Partnerships with carriers like United Healthcare ensure diverse plan designs tailored to employer budgets.
ICHRAs
We specialize in Individual Coverage Health Reimbursement Arrangements (ICHRAs), allowing employers to reimburse employees for medical expenses tax-free. Our expertise ensures compliance with federal regulations while maximizing savings of 10-40% compared to traditional group plans. We guide employers through implementation, employee education, and ongoing plan management.
Questions
What types of health insurance do you offer?
We offer individual, group, and self-funded health insurance plans, including ACA-compliant options and ICHRAs.
Do you work with small businesses?
Yes, we specialize in group plans for businesses with 1-50 employees and larger organizations.
How can I lower my insurance costs?
We analyze claims data and recommend cost-saving strategies like ICHRAs or partially self-funded plans.
Are you licensed in multiple states?
We serve clients in Maryland, Delaware, Virginia, and nationwide through carrier partnerships.
What is an ICHRA?
An Individual Coverage HRA lets employers reimburse employees for medical expenses tax-free while offering flexible plan choices.
