Business Details
Health Insurance Solutions for Northern Virginia Businesses
Cosby Insurance Group has served businesses in the Washington Metro Area for over three decades, specializing in employer-based group health insurance plans and Affordable Care Act compliance. Our team combines deep industry expertise with personalized service, helping clients navigate complex regulations and design cost-effective benefits solutions. We work closely with tech startups, defense contractors, and mid-sized businesses across Northern Virginia, prioritizing transparency, education, and long-term partnerships.Our approach integrates Health Savings Accounts, high-deductible plans, and strategic risk management to balance coverage and affordability. Led by President Steven G. Cosby, our team brings decades of experience in underwriting, healthcare policy, and client advocacy, supported by ongoing professional development and community engagement.
Services
Health Savings Accounts
Employer Sponsored Plans
ACA Compliance Guidance
Expat Insurance
Benefits Design
Claim Audits
Strategic Planning
Renewal Negotiations
Underwriting Analysis
Member Utilization
Highlights and features
- We offer 35+ years of experience in employer health benefits and ACA compliance
- Our team provides personalized service with deep expertise in healthcare reform
- We specialize in strategic benefits design for tech startups and mid-sized firms
- Our Health Savings Account solutions optimize cost efficiency and employee value
- 24/7 availability for urgent client consultations and support
What people say
Knowledgeable professionals
Proactive approach
Extremely professional
Super-responsive
Expert in Healthcare Reform
Services
Health Savings Accounts
Our Health Savings Account services help businesses redirect premium dollars into employee-controlled accounts while maintaining quality coverage. We combine HSAs with high-deductible plans to create cost-effective solutions that empower employees to manage their healthcare spending. This approach transforms traditional insurance liabilities into valuable employee assets while maintaining comprehensive protection.
Employer Sponsored Plans
We specialize in designing employer-sponsored health plans that balance affordability with comprehensive coverage. Our services include plan analysis, underwriting evaluation, and claims management to optimize value for businesses. We help clients navigate regulatory requirements while creating benefits packages that attract and retain talent through customized solutions.
ACA Healthcare Reform
Our ACA compliance services guide businesses through complex healthcare regulations and reporting requirements. We provide ongoing education about evolving legislation and help organizations implement strategies that maintain compliance while controlling costs. Our team stays current with regulatory changes to ensure clients receive accurate, timely guidance.
Expat Insurance
We offer global health insurance solutions for businesses with international assignments. Our expatriate insurance plans provide comprehensive coverage and 24/7 assistance for employees working abroad. Partnering with GeoBlue, we deliver access to quality medical networks worldwide with concierge-level support for travelers and their families.
Strategic Planning
Our strategic planning services analyze clients' current benefits structures to identify optimization opportunities. We evaluate plan designs, cost structures, and utilization patterns to develop customized solutions that align with business goals. This comprehensive approach ensures maximum value from healthcare investments while meeting organizational objectives.
People
Steven G. Cosby
President & CEO
MHSA graduate with 35+ years in employer health benefits, former executive at Anthem Blue Cross Blue Shield and Prudential. Specializes in healthcare reform, underwriting, and strategic benefits design while maintaining active community involvement.
Questions
What healthcare reform services do you offer?
We provide ACA compliance guidance, regulatory updates, and strategic planning to help businesses adapt to evolving healthcare laws and requirements.
How do Health Savings Accounts benefit employers?
HSAs redirect premium dollars into employee-controlled accounts, reducing costs while maintaining coverage through high-deductible plan integration.
What business sizes do you serve?
We specialize in mid-sized companies (25-350 employees) including tech startups and defense contractors throughout Northern Virginia.
Do you offer international coverage options?
Yes, we provide expatriate insurance solutions through GeoBlue for businesses with employees on international assignments.
What makes you different from other brokers?
35+ years of healthcare reform expertise, personalized service, and strategic focus on optimizing benefits value for mid-sized businesses.
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