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Your team is priced like everyone else's. It doesn't have to be.
Sandbox helps small businesses explore large-group health insurance arrangements where pricing can reflect your actual workforce, not the whole small-group market.
The problem with small-group pricing
In many states, small businesses buy health insurance in the community-rated small-group market. That means your premiums are shaped by a broad pool of other small businesses, not by your own team. If your workforce is younger or healthier than average, you may be effectively subsidizing other companies' costs.
How Sandbox helps
Sandbox works with major payroll and workforce-service partners that group participating businesses together. For qualifying businesses, that can unlock evaluation under a large-group arrangement, where factors like your team's ages, demographics, and claims experience can work in your favor.
What's included
Plan evaluation
Evaluation of large-group and small-group options for your business.
A 25-person firm compares its small-group renewal against large-group pricing before signing anything.
Carrier comparisons
Carrier and plan comparisons across medical, dental, and vision.
See medical, dental, and vision quotes from multiple carriers side by side in one comparison.
Retirement plans
Access to 401(k), profit-sharing, and other retirement options.
Add a 401(k) with matching to compete for senior hires without hiring a benefits manager.
Employee assistance
Employee Assistance Program access for your team and their families.
An employee going through a family crisis gets confidential counseling at no cost to them.
Workers' compensation
Workers' compensation administration and claims support.
A workplace injury claim is filed, tracked, and closed without you managing the paperwork.
Annual market review
An annual market review at every renewal. We re-shop so you don't have to.
Your renewal arrives 18% higher and we re-shop the market before you sign it.
One employer's result
In one Sandbox case study, Howl.com, a New York company with a young, healthy team, reportedly saved about $80,000 per year after moving from small-group community rating to a large-group arrangement, without reducing benefits. Every employer's result is different: actual outcomes depend on underwriting, location, workforce, carrier, and plan design.
Frequently asked questions
Is the quote really free?
Yes. There's no cost or obligation to get the comparison, and requesting one doesn't affect your ability to get or keep small-group coverage.
How does Sandbox get paid?
We receive a commission from the carrier, similar to a broker. It doesn't change your quoted premium. Payroll and administrative services carry a separate admin fee, which we include in the total-cost comparison.
Will our benefits stay the same?
No benefit structure should be assumed until proposed plans are compared. We look for options that preserve what matters most to your team, including networks, deductibles, and copays, and review the details with you side by side.
Find out if your business qualifies.
Savings and eligibility are not guaranteed. Results depend on the employer, workforce, state, carriers, underwriting, and plan choices.