Businesses with 5-50 Employees

Lighthouse Benefit Exchange offers you access to a private benefits exchange that gives your employees the power of choice.


We'll build a secure online store just for your business and invite your employees to go shopping. Employees login, select their benefits, and enroll online. Each employee builds a custom benefit package that is unique and perfect for them.


Use Defined Contribution, giving each employee a fixed dollar amount to spend in your benefits store on the products of their choice. Once an employee exceeds your contribution, they can continue to shop for products they will pay for themselves through payroll deduction. Our technology will show them exactly how much they're spending per paycheck so they can manage their budget. Most employers save 10-30% in the first year using this model.


Our Virtual Plan Coach is there, step-by-step, to make personalized recommendations and help employees enroll. Employees love choosing their own benefits and only enrolling in coverage they need. Employers save time and money with better plans, technology, and streamlined administration. Our private exchange will offer your business quality, flexibility, and value.




Take the two-minute tour of our private exchange platform

Related Information


  • Under ACA, a small business is one with less than 50 full-time equivalent employees

  • A full-time equivalent (FTE) employee is a true employee of your business working  at least 30 hours per week and 120 or more days per year

  • A small business is not required to offer health insurance to it's employees


  • Because you will not be charged a penalty for not offering health insurance to your employees, you can choose between offering business or individual plans


  • No health insurance company can turn you down or charge you extra for pre-existing conditions, claims, gender or profession. Pre-existing conditions are covered on all new plans


  • Enrolling in benefits through a private exchange offers you the best value. Give your employees the power of choice, online enrollment and the latest benefit technology