What's the difference using an Independent Broker vs PEO (ADP, Justworks, Rippiling, Paychex)

Small businesses weighing the costs and benefits of these options often find that buying direct is often the least viable option. Your time is valuable, and navigating health insurance options can get complicated. There is a steep learning curve if you aren’t well-versed in the health insurance marketplace.

That leaves the other two options. But how do the two options stack up? And how do you know if you should work with a health insurance broker or a PEO? Luckily, you don’t always have to choose between the two. PEOs from Gusto, Rippling, Justworks, and Paychex for example, work with licensed health insurance brokers with their PEO offerings as well as independent brokers so it’s easier for small business owners to gain access to quality benefits with traditional (non-PEO) employer plans and many PEO offerings through an independent broker. A PEO can offer a scalable and affordable solution for providing access to health coverage, along with helping your business in a number of other ways.