Life, Health &
Accidental Insurance
Coverage for the people who make your company run — built for employers, explained in plain language. No jargon, no fifty-page packets.
AshHEALTH Benefits is a licensed insurance brokerage (NY DFS entity license LB-1997842). We help employers protect their people with three core insurance lines — and we pair that coverage with healthcare-access programs so employees actually use what you offer.
Life Insurance
Group life coverage that gives employees' families financial protection — including term options at group rates, with voluntary buy-up for those who want more. We handle enrollment and keep it simple for HR.
Health Insurance
From MEC-structured offerings and Section 125 programs to supplemental health benefits, we design health coverage around how your workforce actually lives: affordability, access, and engagement — not just a plan document.
Accidental Insurance
Accidents don't wait for open enrollment. Accident and supplemental coverage that pays cash benefits directly to employees when injuries happen — a practical layer of protection that pairs with major-medical and disability programs.
Health Insurance, built around your workforce
Health coverage is usually sold as a plan document. We start with your people — what they earn, how they work, what they can afford — then design the coverage around that. As a licensed brokerage, we place health insurance through licensed carriers, and we run it through the same payroll-friendly, pre-tax structures that power our employer programs.
MEC-structured plans
Minimum Essential Coverage that satisfies the ACA employer mandate — designed to be affordable for you and your team. Our Vital 110 employer program is built on this structure.
Section 125 pre-tax programs
Run premiums through your existing payroll pre-tax — cutting FICA taxes for you and boosting take-home pay for employees. No new systems, no new headaches.
Supplemental health benefits
Accident, critical illness, and hospital-indemnity layers that pay cash benefits directly to employees — protection that fills the gaps major medical leaves behind.
For individuals: no employer coverage? Our Vital Direct membership gives your whole family everyday healthcare access for $165/month. Note: Vital Direct is a membership program, not insurance.
How it works
Simple to implement. Powerful results from day one.
Talk to a licensed broker
We learn your team, your budget, and your goals — no obligation, no jargon.
We design the program
The right mix of life, health, and accidental lines, paired with healthcare-access programs your employees will actually use.
We enroll and support
Enrollment, renewals, and real humans when claims or questions come up.
Our partner ecosystem
We work with carrier, technology, and service partners across the insurance value chain — so your program runs on real infrastructure, not promises. Partner names appear here once agreements are signed.
Products specifically identified as insurance are offered by licensed insurance carriers and are subject to policy terms, conditions, limitations, exclusions, eligibility requirements, and state availability. Vital Direct is not available in New York.